Final answer:
When a lender and consumer have an established business relationship, the lender can call the consumer for up to 365 days after the last action on the account.
Step-by-step explanation:
When a lender and consumer have an established business relationship, the lender can call the consumer for up to 365 days after the last action on the account. This is known as an established business relationship exemption under the Telephone Consumer Protection Act (TCPA). However, it is important to note that the consumer can opt out of receiving further calls at any time.