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Yes, in two cases. You can call if the person signed a written agreement to get calls from you, or if they made an inquiry with your business in the last 3 months. The 3 month window only covers the company they asked, not every buyer of the lead.
Forum posts often say "you have 90 days." That comes from the established business relationship rule: an inquiry gives you 3 months and a purchase gives you 18 months. It is tied to the company the consumer contacted.
For bought leads, the safer path is the written consent the person gave on the quote form. Keep that record with the lead.
If someone says stop, they go on your internal do not call list for 5 years, no matter what. To use the safe harbor, your copy of the national list has to be no more than 31 days old. This is a summary, not legal advice.
Updated October 2026. Industry ranges from public lead and commission guides. Your results depend on your carrier, contract, and dialing.
