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119-s-3502119th CongressWALLET

Timeshare Transparency Act

Sponsored By: Senator Curtis, John R. [R-UT]

Introduced

Summary

Mandatory, clear consumer disclosures for timeshare purchases. This bill would require timeshare sellers to give buyers a single, itemized agreement listing all acquisition and ongoing costs, explain which fees can change and how notice is given, lay out options for ending ownership, and provide a 14-day penalty-free cancellation window.

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  • Consumers and families: Buyers would receive a single document with all costs and end-of-ownership options. They must be allowed to review those documents away from company employees and can cancel without penalty within 14 days of signing.
  • Timeshare companies and federal enforcement: Sellers would have to specify which fees may change and when notice will be given, and failures would be treated as unfair or deceptive acts. The Federal Trade Commission would enforce violations using the same powers and penalties it has under the FTC Act and could issue implementing rules under the Administrative Procedure Act.
  • States and timing: States may impose stronger protections than this bill. The rules would apply to agreements entered into on or after a date 90 days after enactment.

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Bill Overview

Analyzed Economic Effects

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

New timeshare disclosure and cancellation

If enacted, this would apply to timeshare contracts signed 90 days after enactment. You would get a single contract document listing all upfront and ongoing costs. The contract would have to say which fees the company can change and how you would be notified. You would have 14 days after you enter the agreement to cancel without penalty. You would also be allowed to review all documents before signing, away from company staff.

FTC enforcement and rulemaking powers

If enacted, the Federal Trade Commission would enforce the timeshare requirements using the same powers it has under the FTC Act. Violations would be treated as unfair or deceptive acts and be subject to the FTC Act penalties and immunities. The Commission would be able to write rules under 5 U.S.C. 553 to carry out the section. States could still adopt stronger consumer protections if they choose.

Definitions for timeshare rules

If enacted, this would define key terms used by the timeshare rules. "Timeshare" would mean a paid right to use accommodations for less than a year at a time when the arrangement lasts more than three years. Exchange programs would be excluded. "Timeshare company" would mean anyone who sells or arranges a timeshare. "Commission" would mean the Federal Trade Commission.

Sponsors & CoSponsors

Sponsor

Curtis, John R. [R-UT]

UT • R

Cosponsors

  • Sen. Schiff, Adam B. [D-CA]

    CA • D

    Sponsored 12/16/2025

  • Sen. Blackburn, Marsha [R-TN]

    TN • R

    Sponsored 3/25/2026

Roll Call Votes

No roll call votes available for this bill.

View on Congress.gov
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