Compliance Hub
Built Compliant. Stays Compliant.
Every CCM integration ships with the regulatory guardrails your operation needs — TCPA consent capture, CMS scope-of-appointment workflows, HIPAA-safe data handling, DOI audit trails, and real-time DNC scrubbing. Compliance isn't an add-on. It's the foundation.
Telephone Consumer Protection Act
Federal Communications Commission (FCC)
What it requires
The TCPA restricts unsolicited calls, texts, and auto-dialed contacts to consumers without prior express written consent. For insurance agents and call centers, every outbound dial carries TCPA exposure unless consent is captured, stored, and verifiable.
How CCM handles it
- Express written consent captured and time-stamped at the point of contact
- Consent records stored with tamper-evident audit logs
- Auto-dialer controls with TCPA-safe dialing modes
- Real-time DNC scrub before every outbound dial
- Revocation tracking — opt-outs honored immediately and logged
- On-demand consent reports for dispute resolution or litigation defense
Centers for Medicare & Medicaid Services
U.S. Department of Health & Human Services
What it requires
CMS regulations govern how Medicare Advantage and Part D plans are marketed and sold. Agents must capture a Scope of Appointment (SOA) before discussing plan benefits, record all sales calls, and follow strict script and disclosure requirements — especially during AEP.
How CCM handles it
- Scope of Appointment (SOA) capture workflow built into every Medicare call flow
- Mandatory call recording for all Medicare sales conversations
- AEP lockdown mode — enforces CMS-required disclosures automatically
- Script compliance monitoring with real-time alerts for deviations
- Indexed, searchable call archive for CMS audit response
- Agent certification tracking and renewal reminders
Health Insurance Portability and Accountability Act
U.S. Department of Health & Human Services — Office for Civil Rights
What it requires
HIPAA requires that any organization handling Protected Health Information (PHI) — including health insurance agents collecting medical history or prescription data — implement administrative, physical, and technical safeguards to protect that data.
How CCM handles it
- PHI fields encrypted at rest and in transit (AES-256 / TLS 1.3)
- Role-based access controls — agents see only the data they need
- Automatic session timeouts and access logging
- Business Associate Agreement (BAA) available for all CCM partners
- Data retention and deletion policies aligned with HIPAA minimum necessary standard
- Breach notification procedures and incident response support
Department of Insurance
State-level insurance regulators (all 50 states)
What it requires
Each state's Department of Insurance can conduct market conduct examinations of agents and agencies at any time. Examiners request call recordings, consent records, complaint logs, and sales scripts. Agencies without organized, exportable records routinely fail these exams.
How CCM handles it
- DOI-ready audit trail exportable in standard formats (CSV, PDF)
- Call recordings indexed by agent, date, product, and consumer
- Complaint log integration — link complaints to call records automatically
- Sales script version control — prove which script was in use on any given date
- Market conduct exam response package generated on demand
- Multi-state license tracking and renewal alerts
Do Not Call Registry
Federal Trade Commission (FTC) & State Attorneys General
What it requires
The National Do Not Call Registry prohibits telemarketing calls to registered numbers without an established business relationship or express consent. State DNC lists add additional layers. A single call to a registered number can trigger an FTC complaint or class-action exposure.
How CCM handles it
- Real-time scrub against the National DNC Registry before every dial
- State DNC list integration for all 50 states
- Internal DNC list management — honor company-level opt-outs instantly
- Scrub logs retained for 5 years for FTC audit defense
- Automatic suppression of numbers that opt out mid-campaign
- DNC compliance reporting by campaign, agent, and date range
Ready to Operate Without Compliance Risk?
Talk to a CCM compliance specialist. We'll walk through your current setup, identify your exposure, and show you exactly how CCM closes the gaps — before your next audit.