California Mortgage Loan Originator (MLO) License Practice Test 2026 - Free MLO Practice Questions and Study Guide

The correct duration for the exemption period for an existing business relationship under the Do-Not-Call Implementation Act is 18 months. This means that if a consumer has had an established business relationship with a company, that company can legally contact the consumer for up to 18 months after the last purchase, delivery, or payment made by the consumer. The rationale behind this exemption is to allow businesses to maintain communication with consumers who have shown interest in their products or services.

After the 18-month period, the business must cease contact or ensure that the consumer has not registered on the National Do-Not-Call Registry. This regulation is designed to strike a balance between consumer privacy and permissible business outreach.

The other durations mentioned are incorrect, as they do not align with the established guidelines outlined by the Federal Trade Commission regarding telemarketing practices.