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In ordinary words.
In many jurisdictions a call participant may record without telling the other person.
In legal terms.
Federal wiretap law generally permits interception with consent of one party absent a criminal or tortious purpose; states can require all-party consent.
Where it stops being legal.
Interstate calls, state law and an unlawful purpose may make secret recording illegal.
General U.S.-focused information. Cases and statutes may have jurisdiction-specific exceptions. This citation may be a general primer; verify the governing primary authority. Not legal advice.