If a customer suspects fraud and is on the National Do-Not-Call Registry, can the financial institution contact them?

When considering whether a financial institution can contact a customer who is on the National Do-Not-Call Registry and suspects fraud, it's important to recognize that certain exceptions to the Do-Not-Call rules apply. The most relevant exception here is related to servicing an account, particularly in instances where there is a suspicion of fraud.

If a customer identifies fraudulent activity or a potential issue with their account, the financial institution has a legitimate reason to reach out to the customer to discuss, investigate, and potentially rectify those concerns. This interaction is considered a necessary part of ensuring the account's security and protecting the customer's interests. The Do-Not-Call Registry primarily limits marketing calls, and since this type of communication is aimed at addressing a specific service issue rather than a sales pitch, it does not violate the registry rules.

This understanding clarifies why contacting the customer in such a situation is permissible and demonstrates the emphasis on safeguarding the customer's account, particularly regarding security matters such as fraud.