IA HF2448

Requires businesses with over $30 million annual gross revenue in Iowa to maintain at least one publicly accessible telephone number for consumer inquiries about billing, accounts, service issues, and transactions.

Mandates that a human representative be available during posted customer service hours, with consumers connected to a representative within two minutes of selecting that option.

Limits automated phone systems to no more than three menu prompts before offering direct connection to a representative, and prohibits infinite loops, circular phone trees, or systems designed to delay or prevent access.

Authorizes civil penalties set by the Director of Insurance and Financial Services, plus allows injured consumers to sue for actual damages, statutory damages of at least $500 per violation, and attorney fees.

Exempts federally regulated entities including national banks, credit unions, interstate telecommunications carriers, and airline carriers.