# 119-hr-4365: Consumer Online Payment Transparency and Integrity Act 119-hr-4365, Consumer Online Payment Transparency and Integrity Act, is a 119th Congress bill sponsored by Rep. Clarke, Yvette D. [D-NY-9] (D-NY); status introduced; PRIA reads it as touching household money (as of 2026-09-12). - Canonical: https://policyrisk.com/legislation/119-hr-4365 - As of: 2026-09-12 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: 119-hr-4365 - Congress: 119 - Title: Consumer Online Payment Transparency and Integrity Act - Status: introduced - Introduced: 2025-07-14 - Sponsor: Rep. Clarke, Yvette D. [D-NY-9] (D-NY) - Cosponsors: 13 - Policy area: Commerce - Touches household money: yes - Last recorded action: 2026-09-12 ## Summary **Protects consumers from surprise subscription charges by requiring clear renewal notices and fresh, informed consent before automatic renewals.** It would also ban dark-pattern consent and require easy cancellation methods for subscriptions and free trials. - Consumers and households: Would require sellers to notify consumers at least 7 days before the first and each subsequent automatic renewal and before charging after a free trial, and to obtain express informed consent to renew at least annually. - Infrequent users: If a consumer has not used a service for 6 consecutive months, sellers would need to get express consent before charging again and must notify the consumer of their right to cancel and receive a prorated refund. - Businesses and sellers: Would demand simple cancellation options such as an online cancel button or a toll-free number, and would void any automatic renewal that violates the rules and require refunds for amounts paid because of the violation. - Federal enforcement: Would authorize the Federal Trade Commission to treat violations as unfair or deceptive acts, enforce the rules, and issue implementing rules under 5 U.S.C. § 553. The rules would take effect 1 year after enactment. ## Cosponsors (13) - Rep. Correa, J. Luis [D-CA-46] (D-CA), 2025-07-14T00:00:00.000Z - Rep. Matsui, Doris O. [D-CA-7] (D-CA), 2025-07-14T00:00:00.000Z - Rep. Kelly, Robin L. [D-IL-2] (D-IL), 2025-07-14T00:00:00.000Z - Rep. Magaziner, Seth [D-RI-2] (D-RI), 2025-08-26T00:00:00.000Z - Del. Norton, Eleanor Holmes [D-DC-At Large] (D-DC), 2025-08-26T00:00:00.000Z - Rep. Omar, Ilhan [D-MN-5] (D-MN), 2025-09-16T00:00:00.000Z - Rep. Thanedar, Shri [D-MI-13] (D-MI), 2025-11-04T00:00:00.000Z - Rep. Casar, Greg [D-TX-35] (D-TX), 2026-08-03T00:00:00.000Z - Rep. Ansari, Yassamin [D-AZ-3] (D-AZ), 2026-08-03T00:00:00.000Z - Rep. Wilson, Frederica S. [D-FL-24] (D-FL), 2026-08-03T00:00:00.000Z - Rep. Pocan, Mark [D-WI-2] (D-WI), 2026-09-01T00:00:00.000Z - Rep. Chu, Judy [D-CA-28] (D-CA), 2026-09-10T00:00:00.000Z - Rep. Randall, Emily [D-WA-6] (D-WA), 2026-09-10T00:00:00.000Z ## Provisions PRIA read - Real consent and refunds for renewals: benefit, medium. Sellers would have to get your express, informed OK every year before charging to renew. If they know you have not used the service for 6 straight months, they would need your OK again and must tell you that you can cancel and get a prorated refund. If a seller breaks these rules, the renewal would… - FTC rules and enforcement for renewals: benefit, medium. The FTC would write rules to carry out these protections using the normal federal process. Breaking the Act or its rules would be treated like an unfair or deceptive practice under the FTC Act. The FTC would be able to use its full enforcement tools and remedies. These parts would start one year af… - Clear notices and easy canceling for auto-renewals: benefit, low. This bill would require clear disclosures when a plan auto-renews or a free trial turns into a paid plan. Sellers would have to notify you at least 7 days before each renewal, and at least 7 days before a free trial ends, in the same way you signed up. They would need to explain how to cancel and o… - Which contracts this bill would cover: mixed, low. The bill would define key terms like consumer, dark patterns, service contract, and simply cancel. Service contracts would be exempt, and the FTC could exempt other contracts or sellers. That means some agreements would not get these new protections. The definitions and exemptions would start one y… ## Related bills - 119-hr-9877: Health Equity and Accountability Act of 2026 - 119-hr-7973: Momnibus Act - 119-hr-51: Washington, D.C. Admission Act - 119-hr-2086: Rights for the TSA Workforce Act - 119-hr-7977: Energy Bills Relief Act - 119-hr-15: Equality Act ## Sources - [119-hr-4365 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/4365) ## Related - [119-hr-9877: Health Equity and Accountability Act of 2026](https://policyrisk.com/legislation/119-hr-9877) - [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973) - [119-hr-51: Washington, D.C. Admission Act](https://policyrisk.com/legislation/119-hr-51) - [119-hr-2086: Rights for the TSA Workforce Act](https://policyrisk.com/legislation/119-hr-2086) - [119-hr-7977: Energy Bills Relief Act](https://policyrisk.com/legislation/119-hr-7977) - [119-hr-15: Equality Act](https://policyrisk.com/legislation/119-hr-15) - [All bills in Congress](https://policyrisk.com/legislation) Source: PRIA, https://policyrisk.com/legislation/119-hr-4365 (as of 2026-09-12).