Subscription cancellation rights in the United States

What applies now

• Don't recognise a payment? Contact your bank or card issuer straight away. Don't wait for the company to reply first.
• The FTC's 2024 "click-to-cancel" amendments were vacated by a federal court. In March 2026 the FTC asked for public comment on a possible new rule (an advance notice). That is an early step, not a new rule.
• California's automatic renewal law (amended from July 1, 2025) requires your clear consent to auto-renewal, an annual reminder, and notice 3–21 days before a free trial of more than 31 days ends. If you signed up online, you must be able to cancel online.
• California also requires notice 7–30 days before a price increase, and 15–45 days before a renewal for terms of a year or more. Many other states have their own auto-renewal laws, so check your state attorney general's website.
• To stop automatic payments from a bank account, the CFPB says to tell the company and your bank that you're withdrawing permission, then follow up in writing. A payment taken after you revoked permission is an error you can ask your bank to fix.
• Stopping a payment and cancelling the service are separate steps. Stopping the payment doesn't cancel the contract or erase what you owe, so cancel with the company too and keep both confirmations.

What's coming

• The FTC may propose a new negative-option rule. Nothing changes for you until a final rule is adopted.