Consumer Online Payment Transparency and Integrity Act
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Progress
Where this bill stands in the legislative process.
- Introduced
- Passed Senate
- Passed House
- To President
- Became Law
Overview
This bill, the Consumer Online Payment Transparency and Integrity Act, aims to protect consumers from deceptive automatic renewal practices. It requires companies to clearly disclose automatic renewal terms and cancellation procedures, provide advance notice of renewals, and obtain express consent before charging for renewals. The bill also addresses free-trial conversions and prohibits the use of ‘dark patterns’ to manipulate consumer consent, and provides for refunds in cases of violations.
Key provisions
- Companies must clearly disclose automatic renewal terms and cancellation procedures.
- Consumers must receive 7 days’ notice before automatic renewals and express consent before charges.
- The bill prohibits the use of ‘dark patterns’ to obtain consumer consent.
- Consumers have a right to a prorated refund if they haven’t used a service for six months.
- Free trial contracts must also provide clear notice and require express consent before charging.
- A violation of the bill’s provisions results in voided automatic renewals and a consumer refund.
- The bill establishes a process for the Federal Trade Commission to enforce these rules.
- Exemptions exist for certain service contracts determined by the Commission.
Who is affected
- Consumers
- Online businesses and service providers
- The Federal Trade Commission
- Retailers
- Subscription-based service providers
Bill text
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Sponsors
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12 on record
Primary sponsor
Cosponsors
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