Which of the following is a valid exemption from the Do-Not-Call regulations?

Calls regarding overdue accounts are exempt from the Do-Not-Call regulations because they involve the collection of a debt that is due. These regulations allow for certain types of necessary communication related to existing accounts, ensuring that consumers are informed about their obligations and any related consequences. Such calls are crucial for maintaining financial responsibilities and are considered a legitimate business practice that is not simply promotional in nature.

In contrast, other types of calls, such as promoting a new product, soliciting donations, or making cold calls to potential customers, do not fall under these exemptions because they do not relate to an existing account or obligation. As a result, they are subject to the Do-Not-Call rules designed to protect consumer privacy and reduce unsolicited communication.