Area code 928 calling hours: can you call now?
Area code 928 serves Yuma, Flagstaff, and Prescott in Arizona. It spans Mountain and Mountain (no DST) time, so the exchange matters. Only part of the area moves its clocks: Mountain time observes daylight saving time and Mountain (no DST) time does not, so the gap between them changes in March and November.
- Debt collection: federal — Presumed convenient 8 a.m.-9 p.m. local time at the consumer's location, any day. Arizona: no separate hour rule.
- Telemarketing: federal — 8 a.m.-9 p.m. local time at the called party's location, any day. Arizona: 8 a.m.-9 p.m. local time, any day (Arizona adopts the federal calling-time rules by reference).
Live check: area code 928
Turn on JavaScript for the live check. The rules table below lists every window that applies to 928.
| Zone | Local time | Rule | Window |
|---|
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 928
Hours are local time at the person you are calling. When federal and Arizona 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)
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)
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. |
| Arizona | No separate state hours; the federal window applies. | 8 a.m.-9 p.m. local time, any day (Arizona adopts the federal calling-time rules by reference). Every day 8:00 a.m.–9:00 p.m.
The statute makes it unlawful to 'initiate an outbound call except as provided in' 47 CFR 64.1200 or 16 CFR 310.4, which is where the 8 a.m.-9 p.m. window lives; Arizona adds no Sunday or holiday restriction. |
Also in Arizona
- Arizona collection agencies may contact debtors by telephone 'only during reasonable hours' (Ariz. Admin. Code R20-4-1512(A)); the rule sets no specific hours, so the federal 8 a.m.-9 p.m. default is the practical benchmark.
Exchanges and time zones
Area code 928 spans Mountain and Mountain (no DST) 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 928 covers.
Mountain time America/Denver · 46 exchanges
| Rate center | County | Exchanges |
|---|---|---|
| Chinle, AZ | Apache | 6 |
| Tuba City, AZ | Coconino | 6 |
| Window Rock, AZ | Apache | 6 |
| Kayenta, AZ | Navajo | 3 |
| Black Mesa, AZ | Navajo | 2 |
| Dilkon, AZ | Navajo | 2 |
| Fort Defiance, AZ | Apache | 2 |
| Ganado, AZ | Apache | 2 |
| Pinon Cottonwood, AZ | Navajo | 2 |
| Teec Nos Pos, AZ | Apache | 2 |
| Dennehotso, AZ | Apache | 1 |
| Greasewood, AZ | Navajo | 1 |
| Kaibito, AZ | Coconino | 1 |
| Le Chee, AZ | Coconino | 1 |
| Leupp, AZ | Coconino | 1 |
| Lukachukai, AZ | Apache | 1 |
| Red Valley, AZ | — | 1 |
| Rock Point, AZ | Apache | 1 |
| Rough Rock, AZ | Apache | 1 |
| Shonto, AZ | Navajo | 1 |
| Toyei, AZ | Apache | 1 |
| Tsaile, AZ | Apache | 1 |
| Wide Ruins, AZ | Apache | 1 |
Mountain (no DST) time America/Phoenix · 581 exchanges
| Rate center | County | Exchanges |
|---|---|---|
| Yuma, AZ | Yuma | 65 |
| Flagstaff, AZ | Coconino | 63 |
| Prescott, AZ | Yavapai | 51 |
| Sedona, AZ | Yavapai | 41 |
| Safford, AZ | Graham | 34 |
| Kingman, AZ | Mohave | 25 |
| Bullhead City, AZ | Mohave | 19 |
| Lake Havasu City, AZ | Mohave | 19 |
| Payson, AZ | Gila | 16 |
| Somerton, AZ | Yuma | 16 |
| Globe, AZ | Gila | 15 |
| Page, AZ | Coconino | 12 |
| Show Low, AZ | Navajo | 11 |
| Winslow, AZ | Navajo | 11 |
| Wickenburg, AZ | Maricopa | 10 |
| Pima, AZ | Graham | 9 |
| Grand Canyon, AZ | Coconino | 7 |
| Pinetop, AZ | Navajo | 7 |
| Gila Bend, AZ | Maricopa | 6 |
| Mohave Valley, AZ | Mohave | 6 |
| Castle Rock, AZ | — | 5 |
| Holbrook, AZ | Navajo | 5 |
| Parker, AZ | La Paz | 5 |
| Snowflake, AZ | Navajo | 5 |
| Springerville, AZ | Apache | 5 |
| Whiteriver, AZ | Navajo | 5 |
| Wikieup, AZ | Mohave | 5 |
| Bullhead City North, AZ | Mohave | 4 |
| Clifton, AZ | Greenlee | 4 |
| Ehrenberg, AZ | La Paz | 4 |
| Heber, AZ | Navajo | 4 |
| Parker Dam, AZ | La Paz | 4 |
| Aguila, AZ | Maricopa | 3 |
| Blue Ridge, AZ | Coconino | 3 |
| Bouse, AZ | La Paz | 3 |
| Greenehaven, AZ | Coconino | 3 |
| Harquahala Valley, AZ | — | 3 |
| Hyder, AZ | Yuma | 3 |
| Lake Mohave Ranchos, AZ | — | 3 |
| Meadview, AZ | Mohave | 3 |
| Mormon Lake, AZ | Coconino | 3 |
| Peach Springs, AZ | Mohave | 3 |
| Quartzsite, AZ | La Paz | 3 |
| Roosevelt Lake, AZ | Gila | 3 |
| Saint Johns, AZ | — | 3 |
| Salome, AZ | La Paz | 3 |
| Alpine, AZ | Apache | 2 |
| Arizona Village, AZ | Mohave | 2 |
| Bagdad, AZ | Yavapai | 2 |
| Bonita, AZ | Graham | 2 |
| Cibola, AZ | La Paz | 2 |
| Colorado City, AZ | Mohave | 2 |
| Duncan, AZ | Greenlee | 2 |
| Fredonia, AZ | Coconino | 2 |
| Greer, AZ | Apache | 2 |
| Inscription Canyon, AZ | — | 2 |
| Kykotsmovi Village, AZ | Navajo | 2 |
| Lake Pleasant, AZ | Yavapai | 2 |
| Littlefield, AZ | Mohave | 2 |
| Mesquite Creek, AZ | Mohave | 2 |
| San Carlos, AZ | Gila | 2 |
| Seligman, AZ | Yavapai | 2 |
| Supai, AZ | Coconino | 2 |
| Yucca, AZ | Mohave | 2 |
| Keams Canyon, AZ | Navajo | 1 |
| Millsite, AZ | — | 1 |
| Polacca, AZ | Navajo | 1 |
| York Valley, AZ | Greenlee | 1 |
| Young, AZ | Gila | 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 928 covers.
| Rate center | County | Exchanges |
|---|---|---|
| Marble Canyon, AZ | Coconino | 3 |
| Sanders, AZ | Apache | 1 |
Related area codes
928 has no overlay codes.
Other area codes in Arizona:
Why area code alone is not enough
- Mobile numbers travel with their owners, and a ported number keeps its original 928 area code and exchange. A 928 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 928?
Area code 928 is in Arizona, on Mountain and Mountain (no DST) time. Debt collection: federal — Presumed convenient 8 a.m.-9 p.m. local time at the consumer's location, any day. Arizona: no separate hour rule. Telemarketing: federal — 8 a.m.-9 p.m. local time at the called party's location, any day. Arizona: 8 a.m.-9 p.m. local time, any day (Arizona adopts the federal calling-time rules by reference).
What time zone is area code 928?
Area code 928 spans Mountain and Mountain (no DST) 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 928 number on Sunday?
Neither federal law nor Arizona 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 928 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 928 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
Exchange and rate-center data: NANPA CO Code Assignments (utilized, all states) (retrieved 2026-10-07); NANPA NPA listing (area code information) (retrieved 2026-10-07); NANPA rate centers by state (retrieved 2026-10-07); U.S. Census Bureau 2024 Gazetteer (places) (retrieved 2026-10-07); U.S. Census Bureau 2024 Gazetteer (county subdivisions) (retrieved 2026-10-07); U.S. Census Bureau 2024 cartographic boundary file (counties, 1:500k) (retrieved 2026-10-07); USGS GNIS Domestic Names (split-zone states only) (retrieved 2026-10-07); 49 CFR Part 71 - Standard Time Zone Boundaries (retrieved 2026-10-07). Statutes and regulations: 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), 47 CFR § 64.1200(c)(1) (TCPA rules), 16 CFR § 310.4(c) (Telemarketing Sales Rule), and the state citations in the rules table.
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.