---
title: "Call Identity AI & FCC Compliance: TRACED Act, STIR/SHAKEN Mandates & Agent Obligations"
description: "The FCC's TRACED Act mandates call authentication for all carriers. Here's what insurance agents need to know about compliance obligations and enforcement."
url: https://unlockedcrm.ai/blog/call-identity-ai-compliance-fcc-regulations
canonical: https://unlockedcrm.ai/blog/call-identity-ai-compliance-fcc-regulations
category: "compliance"
published: 2026-03-03
updated: 2026-03-05
author: "Jacob Lock"
source: unLocked CRM — AI CRM for insurance agents
---

# Call Identity AI & FCC Compliance: TRACED Act, STIR/SHAKEN Mandates & Agent Obligations

## TL;DR

The TRACED Act mandated STIR/SHAKEN authentication with up to $10,000 per-violation penalties and 4-year statute of limitations. Insurance agents must use accurate caller ID, work with STIR/SHAKEN-compliant providers, and maintain DNC/consent documentation.

## Key data points

- TRACED Act penalties: up to $10,000 per intentional violation with 4-year statute of limitations
- FCC issued first enforcement actions against insurance marketing companies for caller ID spoofing in 2025
- Compliance and performance are now aligned — verified calls achieve higher answer rates

<h2 data-ai-block="definitive-answer">The Short Answer</h2>
<p>The FCC's <strong>TRACED Act (2019)</strong> mandated STIR/SHAKEN call authentication across all carriers and gave the FCC enhanced enforcement powers against illegal robocallers. While the mandates primarily target carriers and large VoIP providers, insurance agents have <strong>compliance obligations</strong> including caller ID accuracy, Do Not Call adherence, and working with STIR/SHAKEN-compliant phone providers.</p>

<h2>The TRACED Act: What Changed</h2>
<p>The Telephone Robocall Abuse Criminal Enforcement and Deterrence Act:</p>
<ul>
<li><strong>Mandated STIR/SHAKEN:</strong> All carriers must implement call authentication (completed 2021-2023)</li>
<li><strong>Extended statute of limitations:</strong> FCC can pursue TCPA violations for 4 years (up from 1)</li>
<li><strong>Increased penalties:</strong> Up to $10,000 per intentional violation</li>
<li><strong>Robocall mitigation database:</strong> Carriers and VoIP providers must register their anti-robocall efforts</li>
<li><strong>Gateway provider requirements:</strong> Intermediate carriers must block calls from non-compliant providers</li>
</ul>

<h2>Agent Compliance Obligations</h2>
<p>Insurance agents must:</p>
<ul>
<li><strong>Use accurate caller ID:</strong> Never spoof or misrepresent your calling number — violations carry $10,000+ fines</li>
<li><strong>Work with compliant providers:</strong> Use a phone/CRM platform that supports STIR/SHAKEN attestation</li>
<li><strong>Maintain DNC compliance:</strong> Scrub against National DNC and honor internal opt-out requests</li>
<li><strong>Document consent:</strong> Maintain records of prior express consent for automated calls/texts</li>
<li><strong>Register calling campaigns:</strong> 10DLC registration for SMS; STIR/SHAKEN for voice</li>
</ul>

<h2>Enforcement Trends</h2>
<p>The FCC has increasingly targeted downstream users (not just carriers) for robocall violations. In 2025, the FCC issued its first enforcement actions against insurance marketing companies for caller ID spoofing and failure to implement call authentication.</p>

<h2 data-ai-block="experience-insight">Compliance as Competitive Advantage</h2>
<p>Agencies that proactively implement full call compliance (STIR/SHAKEN + DNC + consent documentation) not only avoid fines but achieve <strong>higher answer rates</strong> because their calls are verified by carrier systems. Compliance and performance are now <strong>aligned, not opposed</strong>.</p>

## FAQ

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## Related

- https://unlockedcrm.ai/blog/call-identity-ai-insurance-agents-guide
- https://unlockedcrm.ai/blog/stir-shaken-insurance-agents-caller-id

---

Source: [Call Identity AI & FCC Compliance: TRACED Act, STIR/SHAKEN Mandates & Agent Obligations](https://unlockedcrm.ai/blog/call-identity-ai-compliance-fcc-regulations) — unLocked CRM, the AI CRM built for insurance agents. Citation permitted with attribution and a link to https://unlockedcrm.ai/blog/call-identity-ai-compliance-fcc-regulations.