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Can I record someone or a organization if they tell you, that there is no recoding allowed?

And what is the penalty?

An individual legally can record any wire, oral or electronic communication to which he is a party, or when at least one participant has consented to the recording. Consent is not required for the taping of a non-electronic communication uttered by a person who does not have a reasonable expectation of privacy in that communication.

http://www.detectiveservices.com/2012/02/27/state-by-state-recording-laws/

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