Area code 574 calling hours: can you call now?

Area code 574 serves South Bend, Elkhart, and Goshen in Indiana. It spans Central and Eastern time, so the exchange matters. 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. Indiana: no separate hour rule.
Telemarketing: federal — 8 a.m.-9 p.m. local time at the called party's location, any day. Indiana (autodialed or prerecorded calls only): Prerecorded / automatic dialing-announcing sales calls only 9 a.m.-8 p.m., any day.

Live check: area code 574

Turn on JavaScript for the live check. The rules table below lists every window that applies to 574.

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 574

Hours are local time at the person you are calling. When federal and Indiana 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.
Indiana	No separate state hours; the federal window applies.	Autodialed / prerecorded only Prerecorded / automatic dialing-announcing sales calls only 9 a.m.-8 p.m., any day. Every day 9:00 a.m.–8:00 p.m. Ind. Code § 24-5-14-8(b) No telephone sales calls to numbers on Indiana's do-not-call list (Ind. Code art. 24-4.7). Does not apply to messages exempted by Ind. Code § 24-5-14-5(a). No Indiana hours rule for live sales calls; the federal 8 a.m.-9 p.m. window governs those. The statute does not say whose local time applies.

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.

Indiana

No separate state hours; the federal window applies.

Autodialed / prerecorded only

Prerecorded / automatic dialing-announcing sales calls only 9 a.m.-8 p.m., any day.

Every day 9:00 a.m.–8:00 p.m.

Ind. Code § 24-5-14-8(b)

No telephone sales calls to numbers on Indiana's do-not-call list (Ind. Code art. 24-4.7).

Does not apply to messages exempted by Ind. Code § 24-5-14-5(a). No Indiana hours rule for live sales calls; the federal 8 a.m.-9 p.m. window governs those. The statute does not say whose local time applies.

Also in Indiana

Indiana has no debt-collection calling-hours statute; collectors are covered by the general deceptive-practices act (Ind. Code § 24-5-0.5-3), and the federal window applies.

Exchanges and time zones

Area code 574 spans Central and Eastern time. The exchange — the three digits after the area code — maps to a rate center, and the rate center sets the zone. Enter the number in the check above to use it; without one, the check requires the window to be open in every zone 574 covers.

Central time America/Chicago · 9 exchanges

Rate center	County	Exchanges
Knox, IN	Starke	5
Hamlet, IN	Starke	2
North Judson, IN	Starke	2

Eastern time America/New_York · 389 exchanges

Rate center	County	Exchanges
South Bend, IN	St. Joseph	113
Elkhart, IN	Elkhart	46
Goshen, IN	Elkhart	20
Logansport, IN	Cass	18
Plymouth, IN	Marshall	16
Osceola, IN	St. Joseph	13
Warsaw, IN	Kosciusko	13
Syracuse, IN	Kosciusko	8
Leesburg, IN	Kosciusko	6
Monticello, IN	White	6
Nappanee, IN	Elkhart	6
Rochester, IN	Fulton	6
Bremen, IN	Marshall	5
Culver, IN	Marshall	5
Kewanna, IN	Fulton	5
Middlebury, IN	Elkhart	5
Winamac, IN	Pulaski	5
Argos, IN	Marshall	4
Bristol, IN	Elkhart	4
Dunlap, IN	Elkhart	4
Millersburg (elkhart), IN	Elkhart	4
New Carlisle, IN	St. Joseph	4
Akron, IN	Fulton	3
Burket, IN	Kosciusko	3
Burnettsville, IN	White	3
Flora, IN	Carroll	3
La Paz, IN	Marshall	3
Lucerne, IN	Cass	3
Milford, IN	Kosciusko	3
North Liberty, IN	St. Joseph	3
North Webster, IN	Kosciusko	3
Royal Center, IN	Cass	3
Tippecanoe, IN	Marshall	3
Twelve Mile, IN	Cass	3
Walkerton, IN	St. Joseph	3
Atwood, IN	Kosciusko	2
Bourbon, IN	Marshall	2
Burrows, IN	Carroll	2
Claypool, IN	Kosciusko	2
Fulton, IN	Fulton	2
Galveston, IN	Cass	2
Macy, IN	Miami	2
Monterey, IN	Pulaski	2
New Paris, IN	Elkhart	2
Pierceton, IN	Kosciusko	2
Star City, IN	Pulaski	2
Wakarusa, IN	Elkhart	2
Walton, IN	Cass	2
Wyatt, IN	St. Joseph	2
Buffalo, IN	White	1
Camden, IN	Carroll	1
Deer Creek, IN	Carroll	1
Idaville, IN	White	1
Mentone, IN	Kosciusko	1
Yeoman, IN	Carroll	1

Zone not resolved

We could not pin these exchanges to one time zone; the check requires the window to be open in every zone 574 covers.

Rate center	Exchanges
Millwood, IN	4

574 has no overlay codes.

Other area codes in Indiana:

219 Gary
260 Fort Wayne
317 Indianapolis
463 Indianapolis
765 Lafayette
812 Evansville
930 Bloomington

Why area code alone is not enough

Mobile numbers travel with their owners, and a ported number keeps its original 574 area code and exchange. A 574 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 574?

Area code 574 is in Indiana, on Central and Eastern time. Debt collection: federal — Presumed convenient 8 a.m.-9 p.m. local time at the consumer's location, any day. Indiana: no separate hour rule. Telemarketing: federal — 8 a.m.-9 p.m. local time at the called party's location, any day. Indiana (autodialed or prerecorded calls only): Prerecorded / automatic dialing-announcing sales calls only 9 a.m.-8 p.m., any day.

What time zone is area code 574?

Area code 574 spans Central and Eastern time. The exchange (the three digits after the area code) decides which; when it is unknown, a call should fit the window in every zone the area code covers.

Can a debt collector call a 574 number on Sunday?

Neither federal law nor Indiana sets separate Sunday hours for debt collection; the 8 a.m.–9 p.m. local-time window applies, and a consumer can tell a collector that Sunday is inconvenient.

Is the 574 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 574 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.