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119-s-2266119th CongressWALLET

Consumer Online Payment Transparency and Integrity Act

Sponsored By: Senator Van Hollen, Chris [D-MD]

Introduced

Summary

Stops hidden auto-renewals. This bill would require clear, conspicuous disclosures for automatic renewals and free-to-pay conversions, obtain express informed consent before charging, provide simple cancellation tools, and void and refund renewals that violate the rules.

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  • Consumers would get notice at least 7 days before a renewal or before a free trial converts to a paid plan, an easy online cancellation method and contact options, and must give annual express informed consent before being charged.
  • Sellers would have to disclose renewal terms prominently, avoid "dark patterns", obtain express consent, and refund consumers when automatic renewal rules are violated.
  • The Federal Trade Commission would enforce the requirements under the FTC Act, use its existing penalties and rulemaking authority, and may create targeted exemptions or rules to implement the law.

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Bill Overview

Analyzed Economic Effects

3 provisions identified: 2 benefits, 1 costs, 0 mixed.

FTC can enforce auto-renewal rules

If enacted, this would let the Federal Trade Commission treat violations as unfair or deceptive acts. The FTC could use its usual powers, penalties, and rulemaking to enforce the new rules. The Commission would make rules to stop unfair free trials and auto-renewal practices nationwide.

Stronger rules for auto-renewals

If enacted, this would require clear contract disclosures for subscriptions and auto-renewals. Sellers would must tell you and show how to cancel. You would get a notice at least 7 days before each renewal. Sellers would need an easy online cancel method and another low-cost option. The bill would require sellers to get your clear, express consent to renew each year and before charging. If you haven’t used a service for 6 months, sellers would need consent and must offer prorated refunds. Consent gained through "dark patterns" would not count. These rules would take effect one year after enactment.

Service contracts may be exempted

If enacted, this would allow the FTC to exempt service contracts from the bill's notice, cancellation, consent, and refund rules. That could mean fewer notices, harder cancellation, or fewer refund rights for those contracts. The exemptions would take effect one year after enactment.

Sponsors & CoSponsors

Sponsor

Van Hollen, Chris [D-MD]

MD • D

Cosponsors

  • Sen. Blumenthal, Richard [D-CT]

    CT • D

    Sponsored 7/14/2025

  • Sen. Wyden, Ron [D-OR]

    OR • D

    Sponsored 7/14/2025

  • Sen. Luján, Ben Ray [D-NM]

    NM • D

    Sponsored 7/14/2025

  • Sen. Welch, Peter [D-VT]

    VT • D

    Sponsored 7/14/2025

  • Sen. Reed, Jack [D-RI]

    RI • D

    Sponsored 7/14/2025

  • Sen. Merkley, Jeff [D-OR]

    OR • D

    Sponsored 7/14/2025

  • Sen. Fetterman, John [D-PA]

    PA • D

    Sponsored 7/14/2025

  • Sen. Hirono, Mazie K. [D-HI]

    HI • D

    Sponsored 7/14/2025

  • Sen. Gillibrand, Kirsten E. [D-NY]

    NY • D

    Sponsored 7/14/2025

  • Sen. Sanders, Bernard [I-VT]

    VT • I

    Sponsored 7/14/2025

  • Sen. Klobuchar, Amy [D-MN]

    MN • D

    Sponsored 7/22/2025

Roll Call Votes

No roll call votes available for this bill.

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