Protect Your Points Act of 2026
Sponsored By: Senator Sen. Durbin, Richard J. [D-IL]
Introduced
Summary
Would create comprehensive consumer protections for frequent-flyer programs and co-branded airline credit cards. It would require clear value disclosures, bar point expirations and some fees, protect transfers from value loss, and push real-time display of prices in both dollars and points.
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Bill Overview
Analyzed Economic Effects
4 provisions identified: 4 benefits, 0 costs, 0 mixed.
Protect points from devaluation
If enacted, airlines could not make points, miles, or other accrued value expire. You would be able to transfer any amount of points to another member of the same program and the transferred value would remain equal. Airlines could only limit transfers to stop fraud as the Secretary of Transportation may allow, and they could not charge you fees for transfers. Airlines would have to give at least 1 year notice before actions that devalue points, and contract terms could not reserve the right to devalue without that notice. The Secretary would coordinate with the CFPB and FTC when enforcing notice and anti-devaluation rules.
Show prices in dollars and points
If enacted, covered airlines would show the dollar value of one point or mile on every page of their website and app within 90 days. Within 1 year, booking pages would show ticket and ancillary fee costs both as dollars and as points, and carriers would show differing costs by co-branded card or tier concurrently and in real time. Carriers would also display the percent of points successfully redeemed in the past 12 months, updated annually. Within 1 year, airlines would let you pay for airfare and fees with any mix of dollars and points.
Stronger frequent flyer account security
If enacted, covered airlines would be required within 90 days to require multi-factor authentication for frequent flyer account access. Carriers would also have to implement other reasonable data security protections the Secretary of Transportation requires. These steps would reduce account takeover and fraud risks for program members.
Which airlines and programs are covered
If enacted, the bill would define key terms used in these rules. It would define ancillary fees, co-branded credit cards, covered air carriers (including program partners and foreign partnerships that operate under part 121), frequent flyer programs, and the Secretary of Transportation. These definitions would take effect on enactment and would determine who must follow the new protections.
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Sponsors & CoSponsors
Sponsor
Sen. Durbin, Richard J. [D-IL]
IL • D
Cosponsors
There are no cosponsors for this bill.
Roll Call Votes
No roll call votes available for this bill.
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