Which describes Permission to Contact (PTC) guidelines?

• A. Contact is limited to the methods and products indicated by the consumer at the time PTC is obtained
• B. Contact can include any method and any product
• C. PTC is not required for marketing contacts
• D. Contact is only allowed by postal mail

Answer: (A)

Permission to Contact defines the exact channels and product areas the consumer has allowed for outreach, and you must stay within those bounds. The guideline means contact is limited to the methods and products the consumer indicated when PTC was obtained, so you can’t reach out through additional channels or about products outside that scope without obtaining new consent. This protects privacy, keeps you compliant with regulations, and matches what the consumer agreed to. For example, if a consumer allowed email about certain health insurance products, you may not call by phone or text about other products unless they expand their PTC. Keep the PTC on record and honor any revocation; if you want to contact about a new channel or different products, you need to obtain a fresh PTC. The other options aren’t correct because they either broaden contact beyond what was consented, assume PTC isn’t required for marketing contacts, or limit contact to a single channel when the consent may cover multiple methods.