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FTC Click-to-Cancel Rule 2024

Subscription Cancellation & Refund Letter

The FTC's updated Negative Option Rule — effective 2024 — makes it illegal for companies to trap you in subscriptions. Cancellation must be as simple as sign-up. If it isn't, every charge since you tried to cancel may constitute an unauthorized transaction.

✦ Write my cancellation letter — $4.99

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What the FTC Click-to-Cancel Rule requires

Clear disclosure before billing (16 CFR Part 425)

Companies must clearly and conspicuously disclose all material terms — including price, renewal date, and cancellation policy — before obtaining your billing information. Burying terms in fine print or a separate click-through page violates the rule.

Express informed consent required

Companies must obtain your affirmative consent to the negative option feature separately from other terms. Prechecked boxes, bundled consents, and passive inaction do not constitute valid consent under the 2024 rule.

Click-to-Cancel: cancellation must match sign-up ease

If you signed up online in one click, you must be able to cancel online in one click. Companies cannot require you to call a phone number, wait on hold, talk to a retention agent, or navigate multiple confirmation screens to cancel what you joined online.

Charges after attempted cancellation are unauthorized

If you made a good-faith attempt to cancel and the company continued charging you, those subsequent charges may constitute unauthorized transactions under FTC Act § 5 (15 U.S.C. § 45) — entitling you to a full refund, not just a credit.

State auto-renewal laws

Several states have stronger auto-renewal protections than federal law. Your letter cites the law that applies to you:

California
Strongest in the US
Bus. & Prof. Code § 17600
New York
15–30 day advance notice
GOL § 5-903
Illinois
Clear disclosure + notice
815 ILCS 601
Delaware
Written cancellation rights
Del. Code § 2506
Oregon
Annual notice required
ORS 646A.295
All states
FTC Negative Option Rule
16 CFR Part 425

What counts as a valid cancellation demand

VALID CANCELLATION
Written letter citing specific charges and dates
Email with cancellation request and account ID
Online cancellation attempt with documentation
Certified mail to company billing address
Request through the same channel you signed up
IF THEY STILL CHARGE YOU
Document every cancellation attempt with timestamps
Dispute as unauthorized via chargeback (FCBA)
File FTC complaint at reportfraud.ftc.gov
File state AG consumer protection complaint
California: charges after failed cancel = unauthorized by law

Trapped in a subscription you can't cancel?

Get a letter citing the FTC's 2024 Click-to-Cancel Rule that demands immediate cancellation, a full refund of unauthorized charges, and written confirmation no future charges will occur.

✦ Write my cancellation letter — $4.99
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