{ "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "name": "recording-consent", "title": "Recording consent by jurisdiction", "description": "Whether one participant's consent is enough to record a conversation, or every participant must agree, in each U.S. jurisdiction — with the controlling statute and a dated link to the government text it was read from.", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "coverage": { "published": 51, "of": 51, "note": "Jurisdictions appear here only once their statute has been fetched from a published source and verified. A jurisdiction that is absent has not yet been verified and is deliberately not guessed at.", "withheld": [] }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent", "title": "Recording consent by jurisdiction", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Recording consent by jurisdiction\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent", "citationMarkdown": "[Recording consent by jurisdiction](https://theclaimsplaybook.net/law/recording-consent) — The Insurance Investigator's Playbook" }, "rows": [ { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "AL", "name": "Alabama", "question": "Does recording a conversation in Alabama require one party's consent or all parties' consent?", "rule": "one-party", "ruleLabel": "One-party consent", "commonlyClassifiedAs": "one-party consent", "commonLabelIsMisleading": false, "summary": "Alabama is a one-party consent jurisdiction: a participant in the conversation may record it without telling the others.", "nuance": null, "nuanceIsEditorial": false, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "Ala. Code §§ 13A-11-30, 13A-11-31", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://gql.api.alison.legislature.state.al.us/graphql?query=query%7BcodesOfAlabama%28where%3A%7Btype%3A%7Beq%3ASection%7D%2CdisplayId%3A%7Bin%3A%5B%2213A-11-30%22%2C%2213A-11-31%22%5D%7D%7D%29%7Bdata%7BdisplayId%20title%20content%20history%7D%7D%7D", "sourcePublisher": "Alabama Legislature (ALISON / Code of Alabama GraphQL API)", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/AL", "title": "Alabama recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Alabama recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/AL", "citationMarkdown": "[Alabama recording consent law](https://theclaimsplaybook.net/law/recording-consent/AL) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "AK", "name": "Alaska", "question": "Does recording a conversation in Alaska require one party's consent or all parties' consent?", "rule": "one-party", "ruleLabel": "One-party consent", "commonlyClassifiedAs": "one-party consent", "commonLabelIsMisleading": false, "summary": "Alaska is a one-party consent jurisdiction: a participant in the conversation may record it without telling the others.", "nuance": "The statute is oddly narrow: AS 42.20.310 bans using an eavesdropping device to hear or record an ORAL conversation, and a participant is not eavesdropping. Separately, Alaska's constitution has been read (State v. Glass) to require a warrant before law enforcement records a conversation with a participant's consent — a limit on the state, not on a private investigator.", "nuanceIsEditorial": true, "nuanceVerified": false, "casesCited": [ { "name": "State v. Glass", "verdict": "verified", "citation": "583 P.2d 872", "allCitations": [ "583 P.2d 872", "1978 Alas. LEXIS 695" ], "court": "Alaska Supreme Court", "year": 1978, "url": "https://www.courtlistener.com/opinion/1290844/state-v-glass/", "holdingVerified": false } ], "caseLawVerified": true, "caseHoldingsVerified": false, "caseLawNote": "Each decision named in `nuance` was checked against a court record on CourtListener: it exists and carries the citation given. What the decision is said to HOLD is our reading and has not been verified.", "statute": "Alaska Stat. § 42.20.310", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://www.akleg.gov/basis/statutes.asp?media=print&type=fetch&secStart=42.20.300", "sourcePublisher": "Alaska State Legislature (BASIS)", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/AK", "title": "Alaska recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Alaska recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/AK", "citationMarkdown": "[Alaska recording consent law](https://theclaimsplaybook.net/law/recording-consent/AK) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "AZ", "name": "Arizona", "question": "Does recording a conversation in Arizona require one party's consent or all parties' consent?", "rule": "one-party", "ruleLabel": "One-party consent", "commonlyClassifiedAs": "one-party consent", "commonLabelIsMisleading": false, "summary": "Arizona is a one-party consent jurisdiction: a participant in the conversation may record it without telling the others.", "nuance": null, "nuanceIsEditorial": false, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "Ariz. Rev. Stat. § 13-3005", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://www.azleg.gov/ars/13/03005.htm", "sourcePublisher": "Arizona Legislature", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/AZ", "title": "Arizona recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Arizona recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/AZ", "citationMarkdown": "[Arizona recording consent law](https://theclaimsplaybook.net/law/recording-consent/AZ) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "AR", "name": "Arkansas", "question": "Does recording a conversation in Arkansas require one party's consent or all parties' consent?", "rule": "one-party", "ruleLabel": "One-party consent", "commonlyClassifiedAs": "one-party consent", "commonLabelIsMisleading": false, "summary": "Arkansas is a one-party consent jurisdiction: a participant in the conversation may record it without telling the others.", "nuance": null, "nuanceIsEditorial": false, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "Ark. Code Ann. § 5-60-120", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified-secondary", "statusLabel": "Verified against a published statutory source (no machine-readable government copy)", "verifiedOn": "2026-09-21", "sourceUrl": "https://law.onecle.com/arkansas/title-5/5-60-120.html", "sourcePublisher": "onecle (law.onecle.com) — no Arkansas government site serves the Code as fetchable text; official Code is behind the LexisNexis JS app", "sourceTier": "secondary", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/AR", "title": "Arkansas recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Arkansas recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/AR", "citationMarkdown": "[Arkansas recording consent law](https://theclaimsplaybook.net/law/recording-consent/AR) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "CA", "name": "California", "question": "Does recording a conversation in California require one party's consent or all parties' consent?", "rule": "all-party", "ruleLabel": "All-party consent", "commonlyClassifiedAs": "all-party (two-party) consent", "commonLabelIsMisleading": false, "summary": "California is an all-party consent jurisdiction: every participant must consent before the conversation may be recorded.", "nuance": null, "nuanceIsEditorial": false, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "Cal. Penal Code § 632", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=PEN§ionNum=632", "sourcePublisher": "California Legislative Information", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/CA", "title": "California recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"California recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/CA", "citationMarkdown": "[California recording consent law](https://theclaimsplaybook.net/law/recording-consent/CA) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "CO", "name": "Colorado", "question": "Does recording a conversation in Colorado require one party's consent or all parties' consent?", "rule": "one-party", "ruleLabel": "One-party consent", "commonlyClassifiedAs": "one-party consent", "commonLabelIsMisleading": false, "summary": "Colorado is a one-party consent jurisdiction: a participant in the conversation may record it without telling the others.", "nuance": null, "nuanceIsEditorial": false, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "Colo. Rev. Stat. § 18-9-303", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://leg.colorado.gov/sites/default/files/images/olls/crs2023-title-18.pdf", "sourcePublisher": "Colorado General Assembly", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/CO", "title": "Colorado recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Colorado recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/CO", "citationMarkdown": "[Colorado recording consent law](https://theclaimsplaybook.net/law/recording-consent/CO) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "CT", "name": "Connecticut", "question": "Does recording a conversation in Connecticut require one party's consent or all parties' consent?", "rule": "mixed", "ruleLabel": "It depends", "commonlyClassifiedAs": "all-party (two-party) consent", "commonLabelIsMisleading": true, "summary": "Connecticut does not resolve to a single rule — the answer depends on the medium or on who is recording. Read the nuance and the statute before acting.", "nuance": "Criminal eavesdropping is one-party (Conn. Gen. Stat. § 53a-189). The separate civil statute § 52-570d requires, for recording a telephonic communication, the consent of all parties, or prior verbal notification, or an automatic tone warning. A PI recording a claimant call in Connecticut is squarely inside the civil statute.", "nuanceIsEditorial": true, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "Conn. Gen. Stat. § 52-570d", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://www.cga.ct.gov/current/pub/chap_925.htm", "sourcePublisher": "Connecticut General Assembly", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/CT", "title": "Connecticut recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Connecticut recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/CT", "citationMarkdown": "[Connecticut recording consent law](https://theclaimsplaybook.net/law/recording-consent/CT) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "DE", "name": "Delaware", "question": "Does recording a conversation in Delaware require one party's consent or all parties' consent?", "rule": "one-party", "ruleLabel": "One-party consent", "commonlyClassifiedAs": "one-party consent", "commonLabelIsMisleading": false, "summary": "Delaware is a one-party consent jurisdiction: a participant in the conversation may record it without telling the others.", "nuance": "Two Delaware statutes point in opposite directions on the same act. The wiretap chapter, § 2402(c)(4), is plainly one-party. But § 1335(a)(4) (violation of privacy, a class A misdemeanour) separately reaches intercepting a private conversation 'without the consent of all parties thereto'. Courts have followed the wiretap chapter, but the conflict is real and unresolved on the face of the code.", "nuanceIsEditorial": true, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "Del. Code Ann. tit. 11, § 2402(c)(4)", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://delcode.delaware.gov/title11/c024/sc01/index.html", "sourcePublisher": "Delaware Code Online — Delaware General Assembly / Division of Research", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/DE", "title": "Delaware recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Delaware recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/DE", "citationMarkdown": "[Delaware recording consent law](https://theclaimsplaybook.net/law/recording-consent/DE) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "DC", "name": "District of Columbia", "question": "Does recording a conversation in District of Columbia require one party's consent or all parties' consent?", "rule": "one-party", "ruleLabel": "One-party consent", "commonlyClassifiedAs": "one-party consent", "commonLabelIsMisleading": false, "summary": "District of Columbia is a one-party consent jurisdiction: a participant in the conversation may record it without telling the others.", "nuance": null, "nuanceIsEditorial": false, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "D.C. Code § 23-542", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://code.dccouncil.gov/us/dc/council/code/sections/23-542", "sourcePublisher": "Council of the District of Columbia", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/DC", "title": "District of Columbia recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"District of Columbia recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/DC", "citationMarkdown": "[District of Columbia recording consent law](https://theclaimsplaybook.net/law/recording-consent/DC) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "FL", "name": "Florida", "question": "Does recording a conversation in Florida require one party's consent or all parties' consent?", "rule": "all-party", "ruleLabel": "All-party consent", "commonlyClassifiedAs": "all-party (two-party) consent", "commonLabelIsMisleading": false, "summary": "Florida is an all-party consent jurisdiction: every participant must consent before the conversation may be recorded.", "nuance": "Florida requires every party's consent, but the reach of the statute is narrower than that sounds. The prohibition only reaches an 'oral communication' as the statute defines it, which requires a justifiable expectation that the conversation is not being intercepted. For surveillance work — people recorded in car parks, waiting rooms and on public pavements — that limit frequently decides the question before the consent rule is ever reached. Massachusetts is the notable state with no such limit.", "nuanceIsEditorial": true, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "Fla. Stat. § 934.03", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://www.leg.state.fl.us/statutes/index.cfm?App_mode=Display_Statute&URL=0900-0999/0934/Sections/0934.03.html", "sourcePublisher": "Florida Legislature", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/FL", "title": "Florida recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Florida recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/FL", "citationMarkdown": "[Florida recording consent law](https://theclaimsplaybook.net/law/recording-consent/FL) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "GA", "name": "Georgia", "question": "Does recording a conversation in Georgia require one party's consent or all parties' consent?", "rule": "one-party", "ruleLabel": "One-party consent", "commonlyClassifiedAs": "one-party consent", "commonLabelIsMisleading": false, "summary": "Georgia is a one-party consent jurisdiction: a participant in the conversation may record it without telling the others.", "nuance": "One-party for adults, but § 16-11-66 imposes a separate regime where the conversation involves a child under 18: consent of a parent or guardian, or a court order.", "nuanceIsEditorial": true, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "Ga. Code Ann. § 16-11-66(a)", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified-secondary", "statusLabel": "Verified against a published statutory source (no machine-readable government copy)", "verifiedOn": "2026-09-21", "sourceUrl": "https://law.onecle.com/georgia/title-16/16-11-66.html", "sourcePublisher": "onecle (law.onecle.com) — legis.ga.gov is an Angular shell and the official O.C.G.A. is behind the LexisNexis JS app", "sourceTier": "secondary", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/GA", "title": "Georgia recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Georgia recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/GA", "citationMarkdown": "[Georgia recording consent law](https://theclaimsplaybook.net/law/recording-consent/GA) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "HI", "name": "Hawaii", "question": "Does recording a conversation in Hawaii require one party's consent or all parties' consent?", "rule": "one-party", "ruleLabel": "One-party consent", "commonlyClassifiedAs": "one-party consent", "commonLabelIsMisleading": false, "summary": "Hawaii is a one-party consent jurisdiction: a participant in the conversation may record it without telling the others.", "nuance": null, "nuanceIsEditorial": false, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "Haw. Rev. Stat. § 803-42(b)(3)(A)", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://data.capitol.hawaii.gov/hrscurrent/Vol14_Ch0701-0853/HRS0803/HRS_0803-0042.htm", "sourcePublisher": "Hawaii State Legislature", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/HI", "title": "Hawaii recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Hawaii recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/HI", "citationMarkdown": "[Hawaii recording consent law](https://theclaimsplaybook.net/law/recording-consent/HI) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "ID", "name": "Idaho", "question": "Does recording a conversation in Idaho require one party's consent or all parties' consent?", "rule": "one-party", "ruleLabel": "One-party consent", "commonlyClassifiedAs": "one-party consent", "commonLabelIsMisleading": false, "summary": "Idaho is a one-party consent jurisdiction: a participant in the conversation may record it without telling the others.", "nuance": null, "nuanceIsEditorial": false, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "Idaho Code § 18-6702", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://legislature.idaho.gov/statutesrules/idstat/Title18/T18CH67/SECT18-6702/", "sourcePublisher": "Idaho Legislature", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/ID", "title": "Idaho recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Idaho recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/ID", "citationMarkdown": "[Idaho recording consent law](https://theclaimsplaybook.net/law/recording-consent/ID) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "IL", "name": "Illinois", "question": "Does recording a conversation in Illinois require one party's consent or all parties' consent?", "rule": "all-party", "ruleLabel": "All-party consent", "commonlyClassifiedAs": "all-party (two-party) consent", "commonLabelIsMisleading": false, "summary": "Illinois is an all-party consent jurisdiction: every participant must consent before the conversation may be recorded.", "nuance": "Narrower than 'all-party' sounds. Since the 2014 rewrite that followed People v. Clark, § 14-2 reaches only a PRIVATE conversation — one carrying a reasonable expectation that it is not being intercepted — and only when recorded 'in a surreptitious manner'. It is not a flat bar on recording.", "nuanceIsEditorial": true, "nuanceVerified": false, "casesCited": [ { "name": "People v. Clark", "verdict": "verified", "citation": "2014 IL 115776", "allCitations": [ "2014 IL 115776" ], "court": "Illinois Supreme Court", "year": 2014, "url": "https://www.courtlistener.com/opinion/2671271/people-v-clark/", "holdingVerified": false } ], "caseLawVerified": true, "caseHoldingsVerified": false, "caseLawNote": "Each decision named in `nuance` was checked against a court record on CourtListener: it exists and carries the citation given. What the decision is said to HOLD is our reading and has not been verified.", "statute": "720 Ill. Comp. Stat. 5/14-2(a)", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://www.ilga.gov/legislation/ILCS/details?MajorTopic=&Chapter=&ActName=Criminal%20Code%20of%202012.&ActID=1876&ChapterID=53&ChapAct=720+ILCS+5%2F&SeqStart=34200000&SeqEnd=35399999", "sourcePublisher": "Illinois General Assembly", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/IL", "title": "Illinois recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Illinois recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/IL", "citationMarkdown": "[Illinois recording consent law](https://theclaimsplaybook.net/law/recording-consent/IL) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "IN", "name": "Indiana", "question": "Does recording a conversation in Indiana require one party's consent or all parties' consent?", "rule": "one-party", "ruleLabel": "One-party consent", "commonlyClassifiedAs": "one-party consent", "commonLabelIsMisleading": false, "summary": "Indiana is a one-party consent jurisdiction: a participant in the conversation may record it without telling the others.", "nuance": "Indiana's rule is in a DEFINITION, not a prohibition: IC 35-31.5-2-176 excludes from 'interception' any recording made by a person other than a sender or receiver, so a participant never commits one. Note the definition is expressly limited to IC 35-33.5, and Indiana has no general statute on recording in-person oral conversations.", "nuanceIsEditorial": true, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "Ind. Code § 35-31.5-2-176", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "static", "statusLabel": "Published from a fixed edition — no live source exists to re-check", "verifiedOn": "2026-09-21", "sourceUrl": "https://statecodesfiles.justia.com/indiana/2017/title-35/article-31.5/chapter-2/chapter-2.pdf", "sourcePublisher": "Justia (statecodesfiles.justia.com) — 2017 Indiana Code, Title 35 Art. 31.5 ch. 2 PDF; official iga.in.gov serves only a JavaScript app shell", "sourceTier": "fixed-edition", "sourceEdition": "Indiana Code, 2017 edition (IC 35-31.5-2-176 added by P.L.114-2012, SEC.67; not amended since)", "canDetectChange": false, "canDetectChangeNote": "This entry is published from a frozen archive copy. Re-checking it cannot reveal an amendment. Confirm against a current source before relying on it.", "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/IN", "title": "Indiana recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Indiana recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/IN", "citationMarkdown": "[Indiana recording consent law](https://theclaimsplaybook.net/law/recording-consent/IN) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "IA", "name": "Iowa", "question": "Does recording a conversation in Iowa require one party's consent or all parties' consent?", "rule": "one-party", "ruleLabel": "One-party consent", "commonlyClassifiedAs": "one-party consent", "commonLabelIsMisleading": false, "summary": "Iowa is a one-party consent jurisdiction: a participant in the conversation may record it without telling the others.", "nuance": null, "nuanceIsEditorial": false, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "Iowa Code § 727.8", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://www.legis.iowa.gov/docs/code/727.8.pdf", "sourcePublisher": "Iowa Legislature", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/IA", "title": "Iowa recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Iowa recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/IA", "citationMarkdown": "[Iowa recording consent law](https://theclaimsplaybook.net/law/recording-consent/IA) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "KS", "name": "Kansas", "question": "Does recording a conversation in Kansas require one party's consent or all parties' consent?", "rule": "one-party", "ruleLabel": "One-party consent", "commonlyClassifiedAs": "one-party consent", "commonLabelIsMisleading": false, "summary": "Kansas is a one-party consent jurisdiction: a participant in the conversation may record it without telling the others.", "nuance": null, "nuanceIsEditorial": false, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "Kan. Stat. Ann. § 21-6101", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://www.ksrevisor.org/statutes/chapters/ch21/021_061_0001.html", "sourcePublisher": "Kansas Office of Revisor of Statutes", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/KS", "title": "Kansas recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Kansas recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/KS", "citationMarkdown": "[Kansas recording consent law](https://theclaimsplaybook.net/law/recording-consent/KS) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "KY", "name": "Kentucky", "question": "Does recording a conversation in Kentucky require one party's consent or all parties' consent?", "rule": "one-party", "ruleLabel": "One-party consent", "commonlyClassifiedAs": "one-party consent", "commonLabelIsMisleading": false, "summary": "Kentucky is a one-party consent jurisdiction: a participant in the conversation may record it without telling the others.", "nuance": "Kentucky's eavesdropping definition at KRS 526.010 turns on recording 'without the consent of a party', so a participant may record. The chapter is criminal; there is no separate civil consent statute.", "nuanceIsEditorial": true, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "Ky. Rev. Stat. Ann. § 526.010", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://apps.legislature.ky.gov/law/statutes/statute.aspx?id=19948", "sourcePublisher": "Kentucky Legislative Research Commission (apps.legislature.ky.gov) — serves a PDF", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/KY", "title": "Kentucky recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Kentucky recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/KY", "citationMarkdown": "[Kentucky recording consent law](https://theclaimsplaybook.net/law/recording-consent/KY) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "LA", "name": "Louisiana", "question": "Does recording a conversation in Louisiana require one party's consent or all parties' consent?", "rule": "one-party", "ruleLabel": "One-party consent", "commonlyClassifiedAs": "one-party consent", "commonLabelIsMisleading": false, "summary": "Louisiana is a one-party consent jurisdiction: a participant in the conversation may record it without telling the others.", "nuance": "Louisiana's exception at § 15:1303(C)(4) covers a person who is a party to the communication, or who has one party's prior consent, provided the recording is not made to commit a criminal or tortious act.", "nuanceIsEditorial": true, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "La. Stat. Ann. § 15:1303", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://www.legis.la.gov/legis/Law.aspx?d=78938", "sourcePublisher": "Louisiana State Legislature", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/LA", "title": "Louisiana recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Louisiana recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/LA", "citationMarkdown": "[Louisiana recording consent law](https://theclaimsplaybook.net/law/recording-consent/LA) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "ME", "name": "Maine", "question": "Does recording a conversation in Maine require one party's consent or all parties' consent?", "rule": "one-party", "ruleLabel": "One-party consent", "commonlyClassifiedAs": "one-party consent", "commonLabelIsMisleading": false, "summary": "Maine is a one-party consent jurisdiction: a participant in the conversation may record it without telling the others.", "nuance": "Section 710 creates the offence but never says whose consent matters. The answer is in the definition at § 709(4): to 'intercept' means to hear or record by a person OTHER THAN the sender or receiver. A party to the conversation is excluded from the definition outright.", "nuanceIsEditorial": true, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "15 M.R.S. §§ 709(4), 710", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://legislature.maine.gov/statutes/15/title15sec710.html", "sourcePublisher": "Maine Legislature", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/ME", "title": "Maine recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Maine recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/ME", "citationMarkdown": "[Maine recording consent law](https://theclaimsplaybook.net/law/recording-consent/ME) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "MD", "name": "Maryland", "question": "Does recording a conversation in Maryland require one party's consent or all parties' consent?", "rule": "all-party", "ruleLabel": "All-party consent", "commonlyClassifiedAs": "all-party (two-party) consent", "commonLabelIsMisleading": false, "summary": "Maryland is an all-party consent jurisdiction: every participant must consent before the conversation may be recorded.", "nuance": "Maryland requires every party's consent for a private conversation. The statute reaches only communications carrying a reasonable expectation of privacy, which is the limit that most often decides surveillance questions.", "nuanceIsEditorial": true, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "Md. Code Ann., Cts. & Jud. Proc. § 10-402(c)(3)", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://mgaleg.maryland.gov/mgawebsite/Laws/StatuteText?article=gcj§ion=10-402&enactments=false", "sourcePublisher": "Maryland General Assembly (Department of Legislative Services) - official state government", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/MD", "title": "Maryland recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Maryland recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/MD", "citationMarkdown": "[Maryland recording consent law](https://theclaimsplaybook.net/law/recording-consent/MD) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "MA", "name": "Massachusetts", "question": "Does recording a conversation in Massachusetts require one party's consent or all parties' consent?", "rule": "notice", "ruleLabel": "Notice, not consent", "commonlyClassifiedAs": "all-party (two-party) consent", "commonLabelIsMisleading": true, "summary": "Massachusetts turns on whether the recording was secret, not on whether the other side agreed: tell the participants and you may record.", "nuance": "The Massachusetts test is SECRECY, not consent. Ch. 272 § 99 defines interception as to 'secretly hear, secretly record', so an openly disclosed recording is lawful even over a party's objection (Commonwealth v. Jackson — actual knowledge is enough), while a participant's secret recording is a crime (Commonwealth v. Hyde). Unlike most states the statute has no expectation-of-privacy limit, so it reaches recordings made in public places.", "nuanceIsEditorial": true, "nuanceVerified": false, "casesCited": [ { "name": "Commonwealth v. Jackson", "verdict": "verified", "citation": "370 Mass. 502", "allCitations": [ "349 N.E.2d 337", "370 Mass. 502", "1976 Mass. LEXIS 1007" ], "court": "Massachusetts Supreme Judicial Court", "year": 1976, "url": "https://www.courtlistener.com/opinion/2129303/commonwealth-v-jackson/", "holdingVerified": false }, { "name": "Commonwealth v. Hyde", "verdict": "verified", "citation": "434 Mass. 594", "allCitations": [ "434 Mass. 594", "750 N.E.2d 963", "2001 Mass. LEXIS 391" ], "court": "Massachusetts Supreme Judicial Court", "year": 2001, "url": "https://www.courtlistener.com/opinion/6578324/commonwealth-v-hyde/", "holdingVerified": false } ], "caseLawVerified": true, "caseHoldingsVerified": false, "caseLawNote": "Each decision named in `nuance` was checked against a court record on CourtListener: it exists and carries the citation given. What the decision is said to HOLD is our reading and has not been verified.", "statute": "Mass. Gen. Laws ch. 272, § 99", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://malegislature.gov/Laws/GeneralLaws/PartIV/TitleI/Chapter272/Section99", "sourcePublisher": "Massachusetts General Court", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/MA", "title": "Massachusetts recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Massachusetts recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/MA", "citationMarkdown": "[Massachusetts recording consent law](https://theclaimsplaybook.net/law/recording-consent/MA) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "MI", "name": "Michigan", "question": "Does recording a conversation in Michigan require one party's consent or all parties' consent?", "rule": "mixed", "ruleLabel": "It depends", "commonlyClassifiedAs": "all-party (two-party) consent", "commonLabelIsMisleading": true, "summary": "Michigan does not resolve to a single rule — the answer depends on the medium or on who is recording. Read the nuance and the statute before acting.", "nuance": "Start with the text: § 750.539c reaches 'any person who is present or who is not present' who eavesdrops on a private conversation 'without the consent of all parties'. On its face that covers a participant. Michigan courts have read 'eavesdrop' to mean a third party overhearing, so a participant recording their own conversation has been held outside it — but that reading comes from Sullivan v. Gray, a 1982 intermediate appellate decision the Michigan Supreme Court has never affirmed. Treat participant recording here as unresolved and risky, not as settled one-party.", "nuanceIsEditorial": true, "nuanceVerified": false, "casesCited": [ { "name": "Sullivan v. Gray", "verdict": "verified", "citation": "117 Mich. App. 476", "allCitations": [ "324 N.W.2d 58", "117 Mich. App. 476" ], "court": "Michigan Court of Appeals", "year": 1982, "url": "https://www.courtlistener.com/opinion/1579962/sullivan-v-gray/", "holdingVerified": false } ], "caseLawVerified": true, "caseHoldingsVerified": false, "caseLawNote": "Each decision named in `nuance` was checked against a court record on CourtListener: it exists and carries the citation given. What the decision is said to HOLD is our reading and has not been verified.", "statute": "Mich. Comp. Laws § 750.539c", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://www.legislature.mi.gov/Laws/MCL?objectName=MCL-750-539C", "sourcePublisher": "Michigan Legislature", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/MI", "title": "Michigan recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Michigan recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/MI", "citationMarkdown": "[Michigan recording consent law](https://theclaimsplaybook.net/law/recording-consent/MI) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "MN", "name": "Minnesota", "question": "Does recording a conversation in Minnesota require one party's consent or all parties' consent?", "rule": "one-party", "ruleLabel": "One-party consent", "commonlyClassifiedAs": "one-party consent", "commonLabelIsMisleading": false, "summary": "Minnesota is a one-party consent jurisdiction: a participant in the conversation may record it without telling the others.", "nuance": null, "nuanceIsEditorial": false, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "Minn. Stat. § 626A.02", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://www.revisor.mn.gov/statutes/cite/626A.02", "sourcePublisher": "Minnesota Office of the Revisor of Statutes", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/MN", "title": "Minnesota recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Minnesota recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/MN", "citationMarkdown": "[Minnesota recording consent law](https://theclaimsplaybook.net/law/recording-consent/MN) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "MS", "name": "Mississippi", "question": "Does recording a conversation in Mississippi require one party's consent or all parties' consent?", "rule": "one-party", "ruleLabel": "One-party consent", "commonlyClassifiedAs": "one-party consent", "commonLabelIsMisleading": false, "summary": "Mississippi is a one-party consent jurisdiction: a participant in the conversation may record it without telling the others.", "nuance": "Mississippi codifies its wiretap act inside the controlled-substances title, and the consent language sits in § 41-29-531, a section of exceptions to CIVIL liability rather than a standalone criminal eavesdropping provision. Subsection (e) is the one that governs a private party.", "nuanceIsEditorial": true, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "Miss. Code Ann. § 41-29-531", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "static", "statusLabel": "Published from a fixed edition — no live source exists to re-check", "verifiedOn": "2026-09-21", "sourceUrl": "https://archive.org/download/gov.ms.code.ann.2018/xml/gov.ms.code.ann.2018.title.41.xml", "sourcePublisher": "Public.Resource.Org, Mississippi Code Annotated 2018, hosted at the Internet Archive; the official Mississippi Code is on LexisNexis and is JavaScript-only", "sourceTier": "fixed-edition", "sourceEdition": "Mississippi Code Annotated, 2018 edition (Public.Resource.Org)", "canDetectChange": false, "canDetectChangeNote": "This entry is published from a frozen archive copy. Re-checking it cannot reveal an amendment. Confirm against a current source before relying on it.", "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/MS", "title": "Mississippi recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Mississippi recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/MS", "citationMarkdown": "[Mississippi recording consent law](https://theclaimsplaybook.net/law/recording-consent/MS) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "MO", "name": "Missouri", "question": "Does recording a conversation in Missouri require one party's consent or all parties' consent?", "rule": "one-party", "ruleLabel": "One-party consent", "commonlyClassifiedAs": "one-party consent", "commonLabelIsMisleading": false, "summary": "Missouri is a one-party consent jurisdiction: a participant in the conversation may record it without telling the others.", "nuance": null, "nuanceIsEditorial": false, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "Mo. Rev. Stat. § 542.402", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://revisor.mo.gov/main/OneSection.aspx?section=542.402", "sourcePublisher": "Missouri Revisor of Statutes", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/MO", "title": "Missouri recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Missouri recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/MO", "citationMarkdown": "[Missouri recording consent law](https://theclaimsplaybook.net/law/recording-consent/MO) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "MT", "name": "Montana", "question": "Does recording a conversation in Montana require one party's consent or all parties' consent?", "rule": "notice", "ruleLabel": "Notice, not consent", "commonlyClassifiedAs": "all-party (two-party) consent", "commonLabelIsMisleading": true, "summary": "Montana turns on whether the recording was secret, not on whether the other side agreed: tell the participants and you may record.", "nuance": "Montana is a NOTICE state, not a consent state. § 45-8-213(1)(c) reaches recording by a HIDDEN device without the knowledge of all parties, and the exception at (2)(a)(iii) covers 'persons given warning of the transcription or recording' — adding that if one person gives the warning, either party may record. An investigator who announces that the call is being recorded may record it whether or not the claimant agrees. A concealed recorder is the exposure.", "nuanceIsEditorial": true, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "Mont. Code Ann. § 45-8-213", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://archive.legmt.gov/bills/mca/title_0450/chapter_0080/part_0020/section_0130/0450-0080-0020-0130.html", "sourcePublisher": "Montana Legislature", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/MT", "title": "Montana recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Montana recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/MT", "citationMarkdown": "[Montana recording consent law](https://theclaimsplaybook.net/law/recording-consent/MT) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "NE", "name": "Nebraska", "question": "Does recording a conversation in Nebraska require one party's consent or all parties' consent?", "rule": "one-party", "ruleLabel": "One-party consent", "commonlyClassifiedAs": "one-party consent", "commonLabelIsMisleading": false, "summary": "Nebraska is a one-party consent jurisdiction: a participant in the conversation may record it without telling the others.", "nuance": null, "nuanceIsEditorial": false, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "Neb. Rev. Stat. § 86-290", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://nebraskalegislature.gov/laws/statutes.php?statute=86-290", "sourcePublisher": "Nebraska Legislature", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/NE", "title": "Nebraska recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Nebraska recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/NE", "citationMarkdown": "[Nebraska recording consent law](https://theclaimsplaybook.net/law/recording-consent/NE) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "NV", "name": "Nevada", "question": "Does recording a conversation in Nevada require one party's consent or all parties' consent?", "rule": "mixed", "ruleLabel": "It depends", "commonlyClassifiedAs": "all-party (two-party) consent", "commonLabelIsMisleading": true, "summary": "Nevada does not resolve to a single rule — the answer depends on the medium or on who is recording. Read the nuance and the statute before acting.", "nuance": "Nevada splits by medium, and the telephone rule is the trap. In-person recording under NRS 200.650 is one-party. But NRS 200.620 joins its two exceptions with 'and', and in Lane v. Allstate, 114 Nev. 1176 (1998), the Nevada Supreme Court read that conjunctively: a party may NOT record a telephone call without every party's consent. Phone calls are effectively all-party; in-person conversations are not.", "nuanceIsEditorial": true, "nuanceVerified": false, "casesCited": [ { "name": "Lane v. Allstate", "verdict": "verified", "citation": "114 Nev. 1176", "allCitations": [ "969 P.2d 938", "114 Nev. 1176", "14 I.E.R. Cas. (BNA) 1134", "1998 Nev. LEXIS 139" ], "court": "Nevada Supreme Court", "year": 1998, "url": "https://www.courtlistener.com/opinion/1405143/lane-v-allstate-insurance/", "holdingVerified": false } ], "caseLawVerified": true, "caseHoldingsVerified": false, "caseLawNote": "Each decision named in `nuance` was checked against a court record on CourtListener: it exists and carries the citation given. What the decision is said to HOLD is our reading and has not been verified.", "statute": "Nev. Rev. Stat. §§ 200.620, 200.650", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://www.leg.state.nv.us/nrs/nrs-200.html", "sourcePublisher": "Nevada Legislature (Legislative Counsel Bureau) - official state government", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/NV", "title": "Nevada recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Nevada recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/NV", "citationMarkdown": "[Nevada recording consent law](https://theclaimsplaybook.net/law/recording-consent/NV) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "NH", "name": "New Hampshire", "question": "Does recording a conversation in New Hampshire require one party's consent or all parties' consent?", "rule": "all-party", "ruleLabel": "All-party consent", "commonlyClassifiedAs": "all-party (two-party) consent", "commonLabelIsMisleading": false, "summary": "New Hampshire is an all-party consent jurisdiction: every participant must consent before the conversation may be recorded.", "nuance": "All-party, but graduated — and the gradation matters. Under § 570-A:2, I, non-consensual interception is a class B felony. Subsection I-a carves the PARTICIPANT recorder down to a misdemeanour where the person is a party to the communication or has one party's consent. A participant recording in New Hampshire is still unlawful; it is simply not a felony.", "nuanceIsEditorial": true, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "N.H. Rev. Stat. Ann. § 570-A:2", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://www.gencourt.state.nh.us/rsa/html/LVIII/570-A/570-A-2.htm", "sourcePublisher": "New Hampshire General Court (gencourt.state.nh.us)", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/NH", "title": "New Hampshire recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"New Hampshire recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/NH", "citationMarkdown": "[New Hampshire recording consent law](https://theclaimsplaybook.net/law/recording-consent/NH) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "NJ", "name": "New Jersey", "question": "Does recording a conversation in New Jersey require one party's consent or all parties' consent?", "rule": "one-party", "ruleLabel": "One-party consent", "commonlyClassifiedAs": "one-party consent", "commonLabelIsMisleading": false, "summary": "New Jersey is a one-party consent jurisdiction: a participant in the conversation may record it without telling the others.", "nuance": "New Jersey's exception at § 2A:156A-4(d) covers a person who is a party to the communication, or who has one party's prior consent, unless the interception is made to commit a criminal or tortious act.", "nuanceIsEditorial": true, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "N.J. Stat. Ann. § 2A:156A-4", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://lis.njleg.state.nj.us/nxt/gateway.dll/statutes/1/112/2239?f=templates&fn=document-frame.htm&2.0&vid=Publish:10.1048/Enu", "sourcePublisher": "New Jersey Legislature, New Jersey Statutes (Unannotated), lis.njleg.state.nj.us", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/NJ", "title": "New Jersey recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"New Jersey recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/NJ", "citationMarkdown": "[New Jersey recording consent law](https://theclaimsplaybook.net/law/recording-consent/NJ) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "NM", "name": "New Mexico", "question": "Does recording a conversation in New Mexico require one party's consent or all parties' consent?", "rule": "one-party", "ruleLabel": "One-party consent", "commonlyClassifiedAs": "one-party consent", "commonLabelIsMisleading": false, "summary": "New Mexico is a one-party consent jurisdiction: a participant in the conversation may record it without telling the others.", "nuance": "One-party by negative implication rather than by an express participant exception. § 30-12-1(C) reaches reading or copying a message 'without the consent of a sender or intended recipient', and the only express one-party exception is written for persons acting under colour of law. Two gaps worth knowing: the section covers communications 'by telegraph or telephone' only, so a purely in-person oral conversation is not reached by this statute at all.", "nuanceIsEditorial": true, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "N.M. Stat. Ann. § 30-12-1", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://nmonesource.com/nmos/nmsa/en/4371/1/document.do", "sourcePublisher": "New Mexico Compilation Commission, NMOneSource (NMSA 1978, ch. 30 PDF)", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/NM", "title": "New Mexico recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"New Mexico recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/NM", "citationMarkdown": "[New Mexico recording consent law](https://theclaimsplaybook.net/law/recording-consent/NM) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "NY", "name": "New York", "question": "Does recording a conversation in New York require one party's consent or all parties' consent?", "rule": "one-party", "ruleLabel": "One-party consent", "commonlyClassifiedAs": "one-party consent", "commonLabelIsMisleading": false, "summary": "New York is a one-party consent jurisdiction: a participant in the conversation may record it without telling the others.", "nuance": "The prohibition is in § 250.05, but the rule about consent is in the DEFINITION at § 250.00(2): mechanical overhearing of a conversation means recording without the consent of at least one party, by a person not present. A participant recording their own conversation falls outside the definition, which is why New York is a one-party state.", "nuanceIsEditorial": true, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "N.Y. Penal Law §§ 250.00(2), 250.05", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified-secondary", "statusLabel": "Verified against a published statutory source (no machine-readable government copy)", "verifiedOn": "2026-09-21", "sourceUrl": "https://newyork.public.law/laws/n.y._penal_law_section_250.05", "sourcePublisher": "Public.Law", "sourceTier": "secondary", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/NY", "title": "New York recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"New York recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/NY", "citationMarkdown": "[New York recording consent law](https://theclaimsplaybook.net/law/recording-consent/NY) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "NC", "name": "North Carolina", "question": "Does recording a conversation in North Carolina require one party's consent or all parties' consent?", "rule": "one-party", "ruleLabel": "One-party consent", "commonlyClassifiedAs": "one-party consent", "commonLabelIsMisleading": false, "summary": "North Carolina is a one-party consent jurisdiction: a participant in the conversation may record it without telling the others.", "nuance": null, "nuanceIsEditorial": false, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "N.C. Gen. Stat. § 15A-287", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://www.ncleg.gov/EnactedLegislation/Statutes/HTML/BySection/Chapter_15A/GS_15A-287.html", "sourcePublisher": "North Carolina General Assembly", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/NC", "title": "North Carolina recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"North Carolina recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/NC", "citationMarkdown": "[North Carolina recording consent law](https://theclaimsplaybook.net/law/recording-consent/NC) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "ND", "name": "North Dakota", "question": "Does recording a conversation in North Dakota require one party's consent or all parties' consent?", "rule": "one-party", "ruleLabel": "One-party consent", "commonlyClassifiedAs": "one-party consent", "commonLabelIsMisleading": false, "summary": "North Dakota is a one-party consent jurisdiction: a participant in the conversation may record it without telling the others.", "nuance": null, "nuanceIsEditorial": false, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "N.D. Cent. Code § 12.1-15-02", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://ndlegis.gov/cencode/t12-1c15.pdf", "sourcePublisher": "North Dakota Legislative Branch", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/ND", "title": "North Dakota recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"North Dakota recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/ND", "citationMarkdown": "[North Dakota recording consent law](https://theclaimsplaybook.net/law/recording-consent/ND) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "OH", "name": "Ohio", "question": "Does recording a conversation in Ohio require one party's consent or all parties' consent?", "rule": "one-party", "ruleLabel": "One-party consent", "commonlyClassifiedAs": "one-party consent", "commonLabelIsMisleading": false, "summary": "Ohio is a one-party consent jurisdiction: a participant in the conversation may record it without telling the others.", "nuance": null, "nuanceIsEditorial": false, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "Ohio Rev. Code § 2933.52", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://codes.ohio.gov/ohio-revised-code/section-2933.52", "sourcePublisher": "Ohio Laws and Administrative Rules", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/OH", "title": "Ohio recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Ohio recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/OH", "citationMarkdown": "[Ohio recording consent law](https://theclaimsplaybook.net/law/recording-consent/OH) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "OK", "name": "Oklahoma", "question": "Does recording a conversation in Oklahoma require one party's consent or all parties' consent?", "rule": "one-party", "ruleLabel": "One-party consent", "commonlyClassifiedAs": "one-party consent", "commonLabelIsMisleading": false, "summary": "Oklahoma is a one-party consent jurisdiction: a participant in the conversation may record it without telling the others.", "nuance": null, "nuanceIsEditorial": false, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "Okla. Stat. tit. 13, § 176.4(5)", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://www.oscn.net/applications/oscn/DeliverDocument.asp?CiteID=65575", "sourcePublisher": "Oklahoma State Courts Network (OSCN), Oklahoma Supreme Court Network - official state government", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/OK", "title": "Oklahoma recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Oklahoma recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/OK", "citationMarkdown": "[Oklahoma recording consent law](https://theclaimsplaybook.net/law/recording-consent/OK) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "OR", "name": "Oregon", "question": "Does recording a conversation in Oregon require one party's consent or all parties' consent?", "rule": "mixed", "ruleLabel": "It depends", "commonlyClassifiedAs": "all-party (two-party) consent", "commonLabelIsMisleading": true, "summary": "Oregon does not resolve to a single rule — the answer depends on the medium or on who is recording. Read the nuance and the statute before acting.", "nuance": "Oregon splits by medium. A telephonic communication may be recorded with one party's consent; an IN-PERSON conversation generally may not be recorded unless all participants are specifically informed (ORS 165.540(1)(c)). Surveillance work that captures in-person audio is the exposure.", "nuanceIsEditorial": true, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "Or. Rev. Stat. § 165.540", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified-secondary", "statusLabel": "Verified against a published statutory source (no machine-readable government copy)", "verifiedOn": "2026-09-21", "sourceUrl": "https://oregon.public.law/statutes/ors_165.540", "sourcePublisher": "Public.Law", "sourceTier": "secondary", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/OR", "title": "Oregon recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Oregon recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/OR", "citationMarkdown": "[Oregon recording consent law](https://theclaimsplaybook.net/law/recording-consent/OR) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "PA", "name": "Pennsylvania", "question": "Does recording a conversation in Pennsylvania require one party's consent or all parties' consent?", "rule": "all-party", "ruleLabel": "All-party consent", "commonlyClassifiedAs": "all-party (two-party) consent", "commonLabelIsMisleading": false, "summary": "Pennsylvania is an all-party consent jurisdiction: every participant must consent before the conversation may be recorded.", "nuance": "Pennsylvania requires every party's consent, but the reach of the statute is narrower than that sounds. The prohibition only reaches an 'oral communication' as the statute defines it, which requires a justifiable expectation that the conversation is not being intercepted. For surveillance work — people recorded in car parks, waiting rooms and on public pavements — that limit frequently decides the question before the consent rule is ever reached. Massachusetts is the notable state with no such limit.", "nuanceIsEditorial": true, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "18 Pa. Cons. Stat. § 5704", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://www.legis.state.pa.us/WU01/LI/LI/CT/HTM/18/00.057.004.000..HTM", "sourcePublisher": "Pennsylvania General Assembly", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/PA", "title": "Pennsylvania recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Pennsylvania recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/PA", "citationMarkdown": "[Pennsylvania recording consent law](https://theclaimsplaybook.net/law/recording-consent/PA) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "RI", "name": "Rhode Island", "question": "Does recording a conversation in Rhode Island require one party's consent or all parties' consent?", "rule": "one-party", "ruleLabel": "One-party consent", "commonlyClassifiedAs": "one-party consent", "commonLabelIsMisleading": false, "summary": "Rhode Island is a one-party consent jurisdiction: a participant in the conversation may record it without telling the others.", "nuance": null, "nuanceIsEditorial": false, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "R.I. Gen. Laws § 11-35-21", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://webserver.rilegislature.gov/Statutes/TITLE11/11-35/11-35-21.htm", "sourcePublisher": "Rhode Island General Assembly", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/RI", "title": "Rhode Island recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Rhode Island recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/RI", "citationMarkdown": "[Rhode Island recording consent law](https://theclaimsplaybook.net/law/recording-consent/RI) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "SC", "name": "South Carolina", "question": "Does recording a conversation in South Carolina require one party's consent or all parties' consent?", "rule": "one-party", "ruleLabel": "One-party consent", "commonlyClassifiedAs": "one-party consent", "commonLabelIsMisleading": false, "summary": "South Carolina is a one-party consent jurisdiction: a participant in the conversation may record it without telling the others.", "nuance": null, "nuanceIsEditorial": false, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "S.C. Code Ann. § 17-30-30", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://www.scstatehouse.gov/code/t17c030.php", "sourcePublisher": "South Carolina Legislature", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/SC", "title": "South Carolina recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"South Carolina recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/SC", "citationMarkdown": "[South Carolina recording consent law](https://theclaimsplaybook.net/law/recording-consent/SC) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "SD", "name": "South Dakota", "question": "Does recording a conversation in South Dakota require one party's consent or all parties' consent?", "rule": "one-party", "ruleLabel": "One-party consent", "commonlyClassifiedAs": "one-party consent", "commonLabelIsMisleading": false, "summary": "South Dakota is a one-party consent jurisdiction: a participant in the conversation may record it without telling the others.", "nuance": null, "nuanceIsEditorial": false, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "S.D. Codified Laws § 23A-35A-20", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://sdlegislature.gov/api/Statutes/Statute/23A-35A-20", "sourcePublisher": "South Dakota Legislature (Legislative Research Council) - official state government JSON API", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/SD", "title": "South Dakota recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"South Dakota recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/SD", "citationMarkdown": "[South Dakota recording consent law](https://theclaimsplaybook.net/law/recording-consent/SD) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "TN", "name": "Tennessee", "question": "Does recording a conversation in Tennessee require one party's consent or all parties' consent?", "rule": "one-party", "ruleLabel": "One-party consent", "commonlyClassifiedAs": "one-party consent", "commonLabelIsMisleading": false, "summary": "Tennessee is a one-party consent jurisdiction: a participant in the conversation may record it without telling the others.", "nuance": "Tennessee remains one-party. Beware a 2018 bill (HB 1528) that would have required all parties' consent and is still served as a PDF from the legislature's own site — it did not pass, and anything reading bill PDFs as law will get this wrong.", "nuanceIsEditorial": true, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "Tenn. Code Ann. § 39-13-601(b)(5) (2024)", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "static", "statusLabel": "Published from a fixed edition — no live source exists to re-check", "verifiedOn": "2026-09-21", "sourceUrl": "https://web.archive.org/web/20250711232554/https://law.justia.com/codes/tennessee/title-39/chapter-13/part-6/section-39-13-601/", "sourcePublisher": "Justia (2024 Tennessee Code), served via Internet Archive Wayback Machine - SECONDARY; no Tennessee government source serves fetchable statute text (the official TCA is on LexisNexis advance.lexis.com, a JS/cookie app; publications.tnsosfiles.com and sos.tn.gov return CloudFront 403 to our UA; tncourts.gov serves a JS cookie challenge; codes.findlaw.com and law.justia.com direct return 403)", "sourceTier": "fixed-edition", "sourceEdition": "Tennessee Code Annotated, 2024 edition (captured 11 July 2025)", "canDetectChange": false, "canDetectChangeNote": "This entry is published from a frozen archive copy. Re-checking it cannot reveal an amendment. Confirm against a current source before relying on it.", "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/TN", "title": "Tennessee recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Tennessee recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/TN", "citationMarkdown": "[Tennessee recording consent law](https://theclaimsplaybook.net/law/recording-consent/TN) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "TX", "name": "Texas", "question": "Does recording a conversation in Texas require one party's consent or all parties' consent?", "rule": "one-party", "ruleLabel": "One-party consent", "commonlyClassifiedAs": "one-party consent", "commonLabelIsMisleading": false, "summary": "Texas is a one-party consent jurisdiction: a participant in the conversation may record it without telling the others.", "nuance": null, "nuanceIsEditorial": false, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "Tex. Penal Code § 16.02", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified-secondary", "statusLabel": "Verified against a published statutory source (no machine-readable government copy)", "verifiedOn": "2026-09-21", "sourceUrl": "https://texas.public.law/statutes/tex._penal_code_section_16.02", "sourcePublisher": "Public.Law", "sourceTier": "secondary", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/TX", "title": "Texas recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Texas recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/TX", "citationMarkdown": "[Texas recording consent law](https://theclaimsplaybook.net/law/recording-consent/TX) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "UT", "name": "Utah", "question": "Does recording a conversation in Utah require one party's consent or all parties' consent?", "rule": "one-party", "ruleLabel": "One-party consent", "commonlyClassifiedAs": "one-party consent", "commonLabelIsMisleading": false, "summary": "Utah is a one-party consent jurisdiction: a participant in the conversation may record it without telling the others.", "nuance": null, "nuanceIsEditorial": false, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "Utah Code Ann. § 77-23a-4", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://le.utah.gov/xcode/Title77/Chapter23A/C77-23a-S4_1800010118000101.html", "sourcePublisher": "Utah State Legislature", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/UT", "title": "Utah recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Utah recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/UT", "citationMarkdown": "[Utah recording consent law](https://theclaimsplaybook.net/law/recording-consent/UT) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "VT", "name": "Vermont", "question": "Does recording a conversation in Vermont require one party's consent or all parties' consent?", "rule": "mixed", "ruleLabel": "It depends", "commonlyClassifiedAs": "one-party consent", "commonLabelIsMisleading": true, "summary": "Vermont does not resolve to a single rule — the answer depends on the medium or on who is recording. Read the nuance and the statute before acting.", "nuance": "Vermont has no wiretapping or recording-consent statute at all. Title 13's chapter index contains no chapter on eavesdropping, wiretapping or interception, and the Vermont Electronic Communication Privacy Act governs compelled production from service providers, not consent to record. The rule comes from the state constitution (ch. I, art. 11) as read in State v. Geraw and State v. Brooks — which restrain the state, not private parties. Treat Vermont as unsettled for private recording rather than as permissive.", "nuanceIsEditorial": true, "nuanceVerified": false, "casesCited": [ { "name": "State v. Geraw", "verdict": "verified", "citation": "173 Vt. 350", "allCitations": [ "795 A.2d 1219", "173 Vt. 350", "2002 Vt. LEXIS 50" ], "court": "Supreme Court of Vermont", "year": 2002, "url": "https://www.courtlistener.com/opinion/1439872/state-v-geraw/", "holdingVerified": false }, { "name": "State v. Brooks", "verdict": "verified", "citation": "157 Vt. 490", "allCitations": [ "601 A.2d 963", "157 Vt. 490", "1991 Vt. LEXIS 219" ], "court": "Supreme Court of Vermont", "year": 1991, "url": "https://www.courtlistener.com/opinion/2188413/state-v-brooks/", "holdingVerified": false } ], "caseLawVerified": true, "caseHoldingsVerified": false, "caseLawNote": "Each decision named in `nuance` was checked against a court record on CourtListener: it exists and carries the citation given. What the decision is said to HOLD is our reading and has not been verified.", "statute": "No statute — Vt. Const. ch. I, art. 11; State v. Geraw, 2002 VT 3; State v. Brooks, 157 Vt. 490 (1991)", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://legislature.vermont.gov/statutes/title/13", "sourcePublisher": "Vermont General Assembly (Office of Legislative Counsel), Vermont Statutes Online - official state government", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/VT", "title": "Vermont recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Vermont recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/VT", "citationMarkdown": "[Vermont recording consent law](https://theclaimsplaybook.net/law/recording-consent/VT) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "VA", "name": "Virginia", "question": "Does recording a conversation in Virginia require one party's consent or all parties' consent?", "rule": "one-party", "ruleLabel": "One-party consent", "commonlyClassifiedAs": "one-party consent", "commonLabelIsMisleading": false, "summary": "Virginia is a one-party consent jurisdiction: a participant in the conversation may record it without telling the others.", "nuance": null, "nuanceIsEditorial": false, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "Va. Code Ann. § 19.2-62", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://law.lis.virginia.gov/vacode/title19.2/chapter6/section19.2-62/", "sourcePublisher": "Virginia Law Portal", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/VA", "title": "Virginia recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Virginia recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/VA", "citationMarkdown": "[Virginia recording consent law](https://theclaimsplaybook.net/law/recording-consent/VA) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "WA", "name": "Washington", "question": "Does recording a conversation in Washington require one party's consent or all parties' consent?", "rule": "all-party", "ruleLabel": "All-party consent", "commonlyClassifiedAs": "all-party (two-party) consent", "commonLabelIsMisleading": false, "summary": "Washington is an all-party consent jurisdiction: every participant must consent before the conversation may be recorded.", "nuance": "Washington is an all-party state whose own statute lets one party satisfy it alone. RCW 9.73.030(3) deems consent obtained 'whenever one party has announced to all other parties… that such communication or conversation is about to be recorded' — and, uniquely, requires that the announcement itself be recorded. At the point of decision an investigator is closer to a notice rule than to a consent one. Separately, § 9.73.030(2) permits one-party recording of conversations conveying threats of extortion, blackmail or bodily harm, or made anonymously, repeatedly, or at an extremely inconvenient hour — which is the provision that matters when claims staff record a hostile caller.", "nuanceIsEditorial": true, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "Wash. Rev. Code § 9.73.030", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://app.leg.wa.gov/RCW/default.aspx?cite=9.73.030", "sourcePublisher": "Washington State Legislature", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/WA", "title": "Washington recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Washington recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/WA", "citationMarkdown": "[Washington recording consent law](https://theclaimsplaybook.net/law/recording-consent/WA) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "WV", "name": "West Virginia", "question": "Does recording a conversation in West Virginia require one party's consent or all parties' consent?", "rule": "one-party", "ruleLabel": "One-party consent", "commonlyClassifiedAs": "one-party consent", "commonLabelIsMisleading": false, "summary": "West Virginia is a one-party consent jurisdiction: a participant in the conversation may record it without telling the others.", "nuance": null, "nuanceIsEditorial": false, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "W. Va. Code § 62-1D-3", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://code.wvlegislature.gov/62-1D-3/", "sourcePublisher": "West Virginia Legislature", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/WV", "title": "West Virginia recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"West Virginia recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/WV", "citationMarkdown": "[West Virginia recording consent law](https://theclaimsplaybook.net/law/recording-consent/WV) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "WI", "name": "Wisconsin", "question": "Does recording a conversation in Wisconsin require one party's consent or all parties' consent?", "rule": "one-party", "ruleLabel": "One-party consent", "commonlyClassifiedAs": "one-party consent", "commonLabelIsMisleading": false, "summary": "Wisconsin is a one-party consent jurisdiction: a participant in the conversation may record it without telling the others.", "nuance": null, "nuanceIsEditorial": false, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "Wis. Stat. § 968.31", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://docs.legis.wisconsin.gov/statutes/statutes/968/31", "sourcePublisher": "Wisconsin Legislature", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/WI", "title": "Wisconsin recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Wisconsin recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/WI", "citationMarkdown": "[Wisconsin recording consent law](https://theclaimsplaybook.net/law/recording-consent/WI) — The Insurance Investigator's Playbook" } }, { "attribution": "The Insurance Investigator's Playbook — theclaimsplaybook.net", "jurisdiction": "WY", "name": "Wyoming", "question": "Does recording a conversation in Wyoming require one party's consent or all parties' consent?", "rule": "one-party", "ruleLabel": "One-party consent", "commonlyClassifiedAs": "one-party consent", "commonLabelIsMisleading": false, "summary": "Wyoming is a one-party consent jurisdiction: a participant in the conversation may record it without telling the others.", "nuance": null, "nuanceIsEditorial": false, "nuanceVerified": false, "casesCited": [], "caseLawVerified": false, "caseHoldingsVerified": false, "caseLawNote": null, "statute": "Wyo. Stat. Ann. § 7-3-702", "federalFloor": { "statute": "18 U.S.C. § 2511(2)(d)", "rule": "one-party", "url": "https://www.law.cornell.edu/uscode/text/18/2511", "note": "Federal law permits recording with one party's consent unless the recording is made to commit a crime or tort. Federal law is the FLOOR; a state may and many do require more. Where an interstate call touches two states with different rules, the safe assumption is the stricter one." }, "verification": { "status": "verified", "statusLabel": "Verified against the government source", "verifiedOn": "2026-09-21", "sourceUrl": "https://wyoleg.gov/statutes/compress/title07.pdf", "sourcePublisher": "Wyoming Legislature", "sourceTier": "government", "canDetectChange": true, "recheckCadence": "weekly", "consideredStaleAfter": "90 days", "methodUrl": "https://theclaimsplaybook.net/law/method" }, "disclaimer": "Reference information, not legal advice. Statutes change and courts read them differently; confirm the current text with the linked primary source and counsel licensed in the jurisdiction before relying on it.", "citation": { "permalink": "https://theclaimsplaybook.net/law/recording-consent/WY", "title": "Wyoming recording consent law", "publisher": "The Insurance Investigator's Playbook", "methodUrl": "https://theclaimsplaybook.net/law/method", "termsUrl": "https://theclaimsplaybook.net/law/terms", "attributionRequired": true, "aiTrainingPermitted": false, "aiSearchPermitted": true, "citationText": "\"Wyoming recording consent law\", The Insurance Investigator's Playbook, https://theclaimsplaybook.net/law/recording-consent/WY", "citationMarkdown": "[Wyoming recording consent law](https://theclaimsplaybook.net/law/recording-consent/WY) — The Insurance Investigator's Playbook" } } ] }