{
  "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"
  }
}