The federal baseline, and why it does not protect you
Federal law is one-party consent. Under 18 U.S.C. § 2511(2)(d), a private person may intercept a communication they are a party to, or where one party has consented (law.cornell.edu). The exception is interception for a criminal or tortious purpose.
People stop reading there and conclude that recording their own meeting is fine. It is not that simple, for two reasons.
First, state law can be stricter, and it usually applies where the participants are. A call with someone in Seattle is subject to Washington law even if you are in Texas. When participants sit in different states, the safe assumption is that the strictest applicable rule governs.
Second, an AI notetaker may not be treated as you. That is the finding that changed this area in 2026, and it is covered below.
The states that require all-party consent or notice
Thirteen states have rules that a silent AI notetaker can break. The scope differs by state, and the differences matter more than the label.
| State | Statute | What it actually requires |
|---|---|---|
| California | Cal. Penal Code § 632 | Consent of all parties to a confidential communication; fine up to $2,500 per violation for a first offense |
| Connecticut | Conn. Gen. Stat. § 52-570d | All-party consent for telephone calls; civil liability, satisfied by recorded verbal notice at the start or a repeating tone |
| Delaware | 11 Del. C. § 1335 and § 2402 | Conflicting statutes, unresolved by any Delaware court; treat as all-party |
| Florida | Fla. Stat. § 934.03(2)(d) | Private parties need prior consent of all parties |
| Illinois | 720 ILCS 5/14-2 | Consent of all parties to a "private conversation" recorded surreptitiously |
| Maryland | Md. Code, Cts. & Jud. Proc. § 10-402 | All-party consent; felony exposure plus civil damages and attorney's fees |
| Massachusetts | Mass. Gen. Laws ch. 272, § 99 | Bans secret recording; open recording is lawful even without agreement |
| Montana | Mont. Code Ann. § 45-8-213 | Bans hidden devices without the knowledge of all parties; an audible announcement cures it |
| Nevada | Nev. Rev. Stat. § 200.620 | All-party consent for phone calls; § 200.650 is one-party for in-person |
| New Hampshire | N.H. Rev. Stat. Ann. § 570-A:2 | All-party consent; wilful violation is a class B felony |
| Oregon | Or. Rev. Stat. § 165.540(1)(c) | All participants must be specifically informed for in-person conversations; phone calls are one-party |
| Pennsylvania | 18 Pa. C.S. §§ 5703, 5704(4) | Prior consent of all parties; violation is a third-degree felony |
| Washington | Wash. Rev. Code § 9.73.030 | All-party consent; announcement counts, but the announcement itself must be recorded |
Three of those are commonly misreported, so read them again.
Massachusetts does not require agreement. It requires that the recording not be secret. The Supreme Judicial Court confirmed in Curtatone v. Barstool Sports that an openly made recording is not a "secret" interception, even where the recorder lied about their identity (bostonbar.org).
Washington requires the announcement to be part of the recording. Announcing verbally and then starting the recorder does not satisfy the statute (dmlp.org).
Nevada and Oregon split the opposite way from each other. Nevada is all-party for calls and one-party in person, following Lane v. Allstate Insurance Co. (law.justia.com). Oregon is the reverse (rcfp.org). The Ninth Circuit upheld Oregon's in-person notice rule against a First Amendment challenge, and the Supreme Court denied certiorari in October 2025 (barran.com).
Two states I could not confirm as all-party
I am listing these as unconfirmed rather than guessing, because both appear on circulating "two-party consent" lists and neither belongs there without heavy caveats.
Michigan. MCL 750.539c is written as all-party consent. But Michigan courts have read in a participant exception since Sullivan v. Gray (1982), on the reasoning that a party to a conversation is not recording "the private discourse of others" (dmlp.org). A federal court applied that exception again in 2026 in AFT Michigan v. Project Veritas Action Fund (varnumlaw.com). The Michigan Supreme Court has not settled it.
Vermont. Vermont has no wiretapping statute at all. Its Supreme Court held in State v. Geraw that Article 11 of the Vermont Constitution bars police from secretly recording inside a home without a warrant (rcfp.org). That constrains state actors, not your sales call.
Treat both as unsettled. If you have a participant in either state and the conversation is sensitive, ask anyway. Asking costs eight seconds.
Why an AI notetaker is legally worse than a phone recording
This is the part most guidance has not caught up with. Your own recorder is arguably an extension of you, a participant. A third-party AI service may not be.
On 13 August 2026, Judge Eumi K. Lee of the Northern District of California ruled on the motion to dismiss in In re Otter.AI Privacy Litigation, No. 5:25-cv-06911-EKL. She let the federal Wiretap Act, California Invasion of Privacy Act § 631, and both Illinois biometric privacy claims proceed (natlawreview.com). The CFAA, CDAFA and Washington Privacy Act claims were dismissed with leave to amend.
The reasoning is the thing to take away. The court held plaintiffs had plausibly alleged Otter is a third-party eavesdropper, not an invited participant (zwillgen.com). The reason: it independently retains conversational data and uses it for its own purposes, including improving its models.
That is a ruling on the pleadings, not a finding of liability. The case continues. But the logic applies to any notetaker whose vendor keeps and reuses your audio, which is most of them.
The consolidated case began as Brewer v. Otter.ai, filed 15 August 2025 in the Northern District of California, with four complaints consolidated on 22 October 2025 (fisherphillips.com).
It is not only Otter. Fireflies.ai was sued under the Illinois Biometric Information Privacy Act in December 2025 in Cruz v. Fireflies.AI Corp., on allegations that it captured voiceprints of meeting participants who were not its users (workplaceprivacyreport.com).
What it can cost
The numbers are per-violation, which is what makes routine use dangerous rather than merely awkward.
Under California Penal Code § 632, a first violation carries a fine up to $2,500 per violation, rising to $10,000 for subsequent convictions (leginfo.legislature.ca.gov). Maryland's statute is a felony carrying up to five years and $10,000, plus actual and punitive damages and attorney's fees (rcfp.org). Pennsylvania treats violation as a third-degree felony (dmlp.org). New Hampshire's wilful interception is a class B felony (law.justia.com).
Illinois BIPA provides statutory damages of $1,000 for negligent violations and $5,000 for intentional or reckless ones. A 2024 amendment, SB 2979, limits a person to a single recovery for repeated collection by the same method, and the Seventh Circuit held in 2026 that the limit applies retroactively (americanbar.org).
Note who gets sued. The vendor is the headline defendant, but the person who put the bot in the room is you.
A consent procedure that survives the strictest state
Build one routine and use it everywhere. Varying it by state is how mistakes happen.
- Say it in the invite. One line in the calendar description: "An AI assistant will record and transcribe this meeting for notes."
- Say it out loud, on the recording, before anything substantive. Name the tool. Ask whether anyone objects. Wait for an answer from each person.
- Start the recording before you announce. Washington requires the announcement to be part of the recording, and it is the only rule that makes the order matter.
- Get a visible yes. A spoken "yes" or a typed one in chat. Silence is not consent in an all-party state.
- Honour the first objection immediately. Turn it off and take notes by hand. Do not negotiate.
- Keep the proof. Save the transcript segment containing the announcement and the agreement, with the meeting record.
- Re-ask when the room changes. A new participant who joins at minute twenty has consented to nothing.
- Turn it off before the off-the-record part. The chat after the agenda ends is where the damaging material is.
Meetings where you should not run one at all
Some conversations are not worth the transcript, regardless of consent. Consent does not cure every problem.
Do not record HR investigations, disciplinary meetings, or grievance conversations. Do not record anything covered by attorney-client privilege without your lawyer's explicit direction. Do not record clinical, financial-advice, or immigration conversations without checking sector rules first.
Fisher Phillips' guidance on the Otter litigation lists the same practical steps: update consent protocols, vet vendors on storage, retention and model training, set a written policy, limit sensitive conversations, review security, train staff, and fold notetakers into general AI governance (fisherphillips.com).
Use the platform controls, and one vendor question
The meeting platforms tightened these controls during 2026. Microsoft's message center notice MC1251206 said Teams would detect third-party meeting bots, label them "Unverified" in the lobby, and require the organizer to admit them (uctoday.com). It is on by default, with general availability in mid-2026. Google Workspace administrators can require explicit consent before note-taking begins.
Turn those on. A bot that has to be admitted is a bot everyone has seen.
Then ask your vendor one question in writing: does the service retain our audio or transcripts, and does it use them to train or improve models? A "no" moves you closer to being a participant rather than a third party. That distinction is exactly what the Otter ruling turned on.
This page is general information about US recording law and current litigation. It is not legal advice. Rules change, and your situation may have facts that change the answer. Ask a lawyer in your state before relying on any of it.
Where these figures come from
- 18 U.S.C. § 2511 — federal one-party consent and the criminal or tortious purpose exception. https://www.law.cornell.edu/uscode/text/18/2511
- California Penal Code § 632 — all-party consent for confidential communications; $2,500 first violation, $10,000 subsequent. https://leginfo.legislature.ca.gov/faces/codes_displaySection.xhtml?lawCode=PEN§ionNum=632
- Connecticut General Statutes § 52-570d — all-party consent for telephonic communications, with recorded-notice and tone alternatives. https://law.justia.com/codes/connecticut/title-52/chapter-925/section-52-570d/
- Reporters Committee for Freedom of the Press — Connecticut recording guide. https://www.rcfp.org/reporters-recording-guide/connecticut/
- Reporters Committee for Freedom of the Press — Delaware recording guide, on the conflict between 11 Del. C. § 1335 and § 2402. https://www.rcfp.org/reporters-recording-guide/delaware/
- Florida Statutes § 934.03 — consent of all parties required for private interception. https://www.flsenate.gov/Laws/Statutes/2024/934.03
- Illinois 720 ILCS 5/14-2 — eavesdropping, all-party consent for a surreptitiously recorded private conversation. https://codes.findlaw.com/il/chapter-720-criminal-offenses/il-st-sect-720-5-14-2/
- Reporters Committee for Freedom of the Press — Maryland recording guide, Cts. & Jud. Proc. § 10-402 penalties. https://www.rcfp.org/reporters-recording-guide/maryland/
- Boston Bar Association — "Secretly Recording Public Officials: Challenges to the Massachusetts Wiretap Act", on Mass. Gen. Laws ch. 272 § 99 and Curtatone v. Barstool Sports. https://bostonbar.org/journal/secretly-recording-public-officials-challenges-to-the-massachusetts-wiretap-act/
- Montana Code Annotated § 45-8-213 — hidden device without the knowledge of all parties, with announcement exception. https://law.justia.com/codes/montana/title-45/chapter-8/part-2/section-45-8-213/
- Lane v. Allstate Insurance Co., 114 Nev. 1176 (1998) — NRS 200.620 requires all-party consent for telephone recording. https://law.justia.com/cases/nevada/supreme-court/1998/25670-1.html
- New Hampshire RSA 570-A:2 — interception without the consent of all parties. https://law.justia.com/codes/new-hampshire/title-lviii/chapter-570-a/section-570-a-2/
- Reporters Committee for Freedom of the Press — Oregon recording guide, ORS 165.540. https://www.rcfp.org/reporters-recording-guide/oregon/
- Barran Liebman — Ninth Circuit upholds Oregon's in-person recording notice requirement, January 2025. https://www.barran.com/ealerts/11325-ninth-circuit-upholds-oregons-conversational-privacy-statute-notice-required-to-record-in-person-conversations
- Digital Media Law Project — Pennsylvania recording law, 18 Pa. C.S. §§ 5703 and 5704. https://www.dmlp.org/legal-guide/pennsylvania/pennsylvania-recording-law
- Digital Media Law Project — Washington recording law, RCW 9.73.030, announcement must be recorded. https://www.dmlp.org/legal-guide/washington/washington-recording-law
- Digital Media Law Project — Michigan recording law and the participant exception under MCL 750.539c. https://www.dmlp.org/legal-guide/michigan-recording-law
- Varnum LLP — federal court recognizes the participant exception to Michigan's eavesdropping statute (2026). https://www.varnumlaw.com/insights/federal-court-revises-decision-and-recognizes-participant-exception-to-eavesdropping-statute/
- Reporters Committee for Freedom of the Press — Vermont recording guide; no wiretapping statute, State v. Geraw. https://www.rcfp.org/reporters-recording-guide/vermont/
- National Law Review — court holds Otter.ai is a third-party eavesdropper, on the 13 August 2026 order in In re Otter.AI Privacy Litigation, No. 5:25-cv-06911-EKL (N.D. Cal.). https://natlawreview.com/article/invited-participant-or-third-party-eavesdropper-court-holds-otterai-third-party
- ZwillGen — "The First Major AI Meeting Assistant Lawsuit: Practical Lessons from the Otter.ai Litigation". https://www.zwillgen.com/litigation/first-major-ai-meeting-assistant-lawsuit-practical-lessons-otter-ai-litigation/
- Fisher Phillips — "New Lawsuit Highlights Concerns About AI Notetakers", case background and seven business steps. https://www.fisherphillips.com/en/insights/insights/new-lawsuit-highlights-concerns-about-ai-notetakers
- Jackson Lewis Workplace Privacy Report — BIPA class action against Fireflies.AI, Cruz v. Fireflies.AI Corp. https://www.workplaceprivacyreport.com/2026/04/articles/artificial-intelligence/ai-meeting-assistants-and-biometric-privacy-governance-lessons-from-the-fireflies-ai-lawsuit/
- American Bar Association — Seventh Circuit holds the 2024 BIPA damages amendment (SB 2979) applies retroactively. https://www.americanbar.org/groups/business_law/resources/business-law-today/2026-may/7th-circuit-holds-bipa-damages-remedy-applies-retroactively/
- UC Today — Microsoft, Zoom and Google tighten meeting bot controls; Teams notice MC1251206. https://www.uctoday.com/security-compliance-risk/ai-meeting-bots-controls-microsoft-zoom-google/
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