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"If multiple people pick up then it goes into a recording and most of the time they just hang up. Per FCC regulations that can happen no more than 3% of the time....."
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Wouldn't this be "ROBO-CALLING" if you go right into an automated (recorded) message?
Depends on the message. Generally it's a "safe harbor" message, so it's more along the lines of "please hold while we get someone to speak with you" instead of "hi, would you like to buy some insurance?'
The safe-harbor message is an attempt to get at least some folks to stick around to talk to them, or at lest keep it from hurting your drop rate.