Area code 413 calling hours: can you call now?

Area code 413 serves Springfield, Holyoke, and Pittsfield in Massachusetts. It is on Eastern time. Clocks move for daylight saving time in March and November.

Debt collection: federal — Presumed convenient 8 a.m.-9 p.m. local time at the consumer's location, any day. Massachusetts: Unless the debtor's normal waking hours are known, calls are allowed only between 8 a.m. and 9 p.m., any day.
Telemarketing: federal — 8 a.m.-9 p.m. local time at the called party's location, any day. Massachusetts: Unsolicited sales calls are allowed only from 8 a.m. to 8 p.m. local time at the consumer's location, any day.

Live check: area code 413

Turn on JavaScript for the live check. The rules table below lists every window that applies to 413.

Not checked here: consent, Do-Not-Call lists, Reg F call frequency (7 calls in 7 days), cease-communication requests or attorney representation, reassigned numbers, and whether the consumer has told you a time is inconvenient.

Calling-hour rules for 413

Hours are local time at the person you are calling. When federal and Massachusetts rules differ, the narrower window governs; the live check applies every row at once.

Rule set	Debt collection	Telemarketing
Federal	Presumed convenient 8 a.m.-9 p.m. local time at the consumer's location, any day. Every day 8:00 a.m.–9:00 p.m. 15 U.S.C. § 1692c(a)(1) · 12 CFR § 1006.6(b)(1)(i) (Regulation F) · Reg F Official Interpretation, comment 6(b)(1)(i)-2 (consumer's location) · 12 CFR § 1006.14(b)(2) Call-frequency presumption: a collector is presumed to comply with the harassment ban if it places no more than 7 calls to a person about a particular debt within 7 consecutive days, and no call within 7 days after a telephone conversation with that person about the debt; exceeding either is presumed a violation (12 CFR § 1006.14(b)(2)). Conflicting location information: if the collector's information indicates the consumer may be in more than one place (e.g. an Eastern-zone area code and a Pacific-zone address), it complies only by calling at a time convenient in all of those locations (Reg F comment 6(b)(1)(i)-2). A collector may not call at any time it knows or should know is inconvenient to the consumer (e.g. after the consumer says so), regardless of the 8 a.m.-9 p.m. default (15 U.S.C. § 1692c(a)(1); Reg F comment 6(b)(1)-1). No federal Sunday or holiday ban, but a consumer's statement that a day or time is inconvenient makes calls then unlawful. The 8-9 window is a default presumption that the consumer's prior consent (given directly to the collector) or a court can override.	8 a.m.-9 p.m. local time at the called party's location, any day. Every day 8:00 a.m.–9:00 p.m. 47 CFR § 64.1200(c)(1) (TCPA rules) · 16 CFR § 310.4(c) (Telemarketing Sales Rule) No telephone solicitation to a number on the National Do Not Call Registry absent an established business relationship or the consumer's signed written permission (47 CFR § 64.1200(c)(2); 16 CFR § 310.4(b)(1)(iii)(B)). Autodialed or artificial/prerecorded-voice telemarketing calls to wireless numbers, and prerecorded telemarketing calls to residential lines, require the called party's prior express written consent (47 CFR § 64.1200(a)(2)-(3)). Sellers must honor company-specific do-not-call requests (47 CFR § 64.1200(d); 16 CFR § 310.4(b)(1)(iii)(A)). TSR § 310.4(c) allows calls outside 8-9 with the person's prior consent; the TCPA time rule in § 64.1200(c)(1) has no consent exception for telephone solicitations as defined.
Massachusetts	Unless the debtor's normal waking hours are known, calls are allowed only between 8 a.m. and 9 p.m., any day. Every day 8:00 a.m.–9:00 p.m. 940 CMR 7.04(1)(f)-(h) · 940 CMR 7.00 (official text) · 209 CMR 18.00 No more than 2 creditor-initiated calls, texts or recorded messages per debt in each 7-day period to the debtor's residence, cell or personal number, and no more than 2 per 30 days to other numbers (940 CMR 7.04(1)(f)). Licensed debt collectors may not place more than 2 calls about a particular debt in a 7-day period (209 CMR 18.00, as amended effective Sept. 2025). No calls to the debtor's place of employment after a written or oral request (oral requests last 10 days unless confirmed in writing within 7 days) (940 CMR 7.04(1)(h)). If the debtor's normal waking hours are known, calls outside those hours are barred even within 8 a.m.-9 p.m.; the regulation states the default window in 'eastern time'. Massachusetts courts have held that unanswered call attempts can count toward the 2-in-7 limit.	Unsolicited sales calls are allowed only from 8 a.m. to 8 p.m. local time at the consumer's location, any day. Every day 8:00 a.m.–8:00 p.m. M.G.L. c. 159C, § 3 · 201 CMR 12.00 No unsolicited sales calls to numbers on the Massachusetts do-not-call list, and none by recorded message device (M.G.L. c. 159C, § 3).

Debt collection

Telemarketing

Federal

Presumed convenient 8 a.m.-9 p.m. local time at the consumer's location, any day.

Every day 8:00 a.m.–9:00 p.m.

15 U.S.C. § 1692c(a)(1) · 12 CFR § 1006.6(b)(1)(i) (Regulation F) · Reg F Official Interpretation, comment 6(b)(1)(i)-2 (consumer's location) · 12 CFR § 1006.14(b)(2)

Call-frequency presumption: a collector is presumed to comply with the harassment ban if it places no more than 7 calls to a person about a particular debt within 7 consecutive days, and no call within 7 days after a telephone conversation with that person about the debt; exceeding either is presumed a violation (12 CFR § 1006.14(b)(2)).
Conflicting location information: if the collector's information indicates the consumer may be in more than one place (e.g. an Eastern-zone area code and a Pacific-zone address), it complies only by calling at a time convenient in all of those locations (Reg F comment 6(b)(1)(i)-2).
A collector may not call at any time it knows or should know is inconvenient to the consumer (e.g. after the consumer says so), regardless of the 8 a.m.-9 p.m. default (15 U.S.C. § 1692c(a)(1); Reg F comment 6(b)(1)-1).

No federal Sunday or holiday ban, but a consumer's statement that a day or time is inconvenient makes calls then unlawful. The 8-9 window is a default presumption that the consumer's prior consent (given directly to the collector) or a court can override.

8 a.m.-9 p.m. local time at the called party's location, any day.

Every day 8:00 a.m.–9:00 p.m.

47 CFR § 64.1200(c)(1) (TCPA rules) · 16 CFR § 310.4(c) (Telemarketing Sales Rule)

No telephone solicitation to a number on the National Do Not Call Registry absent an established business relationship or the consumer's signed written permission (47 CFR § 64.1200(c)(2); 16 CFR § 310.4(b)(1)(iii)(B)).
Autodialed or artificial/prerecorded-voice telemarketing calls to wireless numbers, and prerecorded telemarketing calls to residential lines, require the called party's prior express written consent (47 CFR § 64.1200(a)(2)-(3)).
Sellers must honor company-specific do-not-call requests (47 CFR § 64.1200(d); 16 CFR § 310.4(b)(1)(iii)(A)).

TSR § 310.4(c) allows calls outside 8-9 with the person's prior consent; the TCPA time rule in § 64.1200(c)(1) has no consent exception for telephone solicitations as defined.

Massachusetts

Unless the debtor's normal waking hours are known, calls are allowed only between 8 a.m. and 9 p.m., any day.

Every day 8:00 a.m.–9:00 p.m.

940 CMR 7.04(1)(f)-(h) · 940 CMR 7.00 (official text) · 209 CMR 18.00

No more than 2 creditor-initiated calls, texts or recorded messages per debt in each 7-day period to the debtor's residence, cell or personal number, and no more than 2 per 30 days to other numbers (940 CMR 7.04(1)(f)).
Licensed debt collectors may not place more than 2 calls about a particular debt in a 7-day period (209 CMR 18.00, as amended effective Sept. 2025).
No calls to the debtor's place of employment after a written or oral request (oral requests last 10 days unless confirmed in writing within 7 days) (940 CMR 7.04(1)(h)).

If the debtor's normal waking hours are known, calls outside those hours are barred even within 8 a.m.-9 p.m.; the regulation states the default window in 'eastern time'. Massachusetts courts have held that unanswered call attempts can count toward the 2-in-7 limit.

Unsolicited sales calls are allowed only from 8 a.m. to 8 p.m. local time at the consumer's location, any day.

Every day 8:00 a.m.–8:00 p.m.

M.G.L. c. 159C, § 3 · 201 CMR 12.00

No unsolicited sales calls to numbers on the Massachusetts do-not-call list, and none by recorded message device (M.G.L. c. 159C, § 3).

Exchanges and time zones

Every assigned exchange in 413 sits in Eastern time, so the area code alone settles the zone for a landline. The 25 largest rate centers by exchange count:

Rate center	Exchanges
Springfield, MA	142
Holyoke, MA	36
Pittsfield, MA	33
Amherst, MA	27
Chicopee, MA	23
Greenfield, MA	19
Northampton, MA	19
Westfield, MA	16
Palmer, MA	13
Great Barrington, MA	10
North Adams, MA	10
Wilbraham, MA	10
Ludlow, MA	9
Easthampton, MA	8
Longmeadow, MA	8
South Deerfield, MA	8
Ware, MA	8
Amherst Franklin County, MA	7
East Longmeadow, MA	7
Lenox, MA	7
Adams, MA	6
Belchertown, MA	6
Dalton, MA	6
Hatfield, MA	6
Huntington, MA	6

413 has no overlay codes.

Other area codes in Massachusetts:

339 Lynn
351 Acton
508 Worcester
617 Boston
774 Worcester
781 Waltham
857 Boston
978 Lawrence

Why area code alone is not enough

Mobile numbers travel with their owners, and a ported number keeps its original 413 area code and exchange. A 413 number tells you where the line was assigned, not where the person is today.
Under Regulation F, when you know of more than one location for a consumer — a mailing address in one zone, an area code in another — the time must be convenient in every one of them. Use the address-state field above to add the zones you know about.
Call only when the window is open in every location you know about, and stop calling at times the consumer tells you are inconvenient, whatever the clock says.

Questions

What time can you call area code 413?

Area code 413 is in Massachusetts, on Eastern time. Debt collection: federal — Presumed convenient 8 a.m.-9 p.m. local time at the consumer's location, any day. Massachusetts: Unless the debtor's normal waking hours are known, calls are allowed only between 8 a.m. and 9 p.m., any day. Telemarketing: federal — 8 a.m.-9 p.m. local time at the called party's location, any day. Massachusetts: Unsolicited sales calls are allowed only from 8 a.m. to 8 p.m. local time at the consumer's location, any day.

What time zone is area code 413?

Area code 413 is entirely in Eastern time. Clocks move for daylight saving time in March and November.

Can a debt collector call a 413 number on Sunday?

Sunday is not singled out: Massachusetts's debt-collection hours are every day 8:00 a.m.–9:00 p.m., and the federal 8 a.m.–9 p.m. window also applies. A consumer can still tell a collector that Sunday is inconvenient.

Is the 413 area code enough to know the person's local time?

No. Mobile numbers move with their owners and ported numbers keep their area code, so a 413 number may belong to someone in another time zone. If you know other locations for the person, the call should fit the window in all of them.

Sources

This page is general information, not legal advice. Laws change and some rules depend on who is calling and why; confirm with counsel. Rules last reviewed 2026-10-07.

Area code 413 calling hours: can you call now?

Live check: area code 413

Calling-hour rules for 413

Exchanges and time zones

Related area codes

Why area code alone is not enough

Questions

What time can you call area code 413?

What time zone is area code 413?

Can a debt collector call a 413 number on Sunday?

Is the 413 area code enough to know the person's local time?

Sources

Related reading