# 119-s-4244: Protect Your Points Act of 2026

119-s-4244, Protect Your Points Act of 2026, is a 119th Congress bill sponsored by Sen. Durbin, Richard J. [D-IL] (D-IL); status introduced; PRIA reads it as touching household money (as of 2026-09-10).

- Canonical: https://policyrisk.com/legislation/119-s-4244
- As of: 2026-09-10
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-s-4244
- Congress: 119
- Title: Protect Your Points Act of 2026
- Status: introduced
- Introduced: 2026-03-26
- Sponsor: Sen. Durbin, Richard J. [D-IL] (D-IL)
- Cosponsors: 0
- Policy area: Transportation and Public Works
- Touches household money: yes
- Last recorded action: 2026-09-10

## 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.

## Provisions PRIA read

- Protect points from devaluation: benefit, medium. 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 Transportati…
- Show prices in dollars and points: benefit, low. 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 ti…
- Stronger frequent flyer account security: benefit, low. 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 takeove…
- Which airlines and programs are covered: benefit, low. 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 defin…

## Related bills

- 119-s-5071: Children's Safe Welcome Act of 2026
- 119-s-3597: National Quantum Initiative Reauthorization Act of 2026
- 119-s-4504: Full-Service Community School Expansion Act of 2026
- 119-s-3990: PrEP Access and Coverage Act of 2026
- 119-s-2823: FAMILY Act
- 119-s-2763: Keep Billionaires Out of Social Security Act

## Sources
- [119-s-4244 on Congress.gov](https://www.congress.gov/bill/119th-congress/senate-bill/4244)

## Related
- [119-s-5071: Children's Safe Welcome Act of 2026](https://policyrisk.com/legislation/119-s-5071)
- [119-s-3597: National Quantum Initiative Reauthorization Act of 2026](https://policyrisk.com/legislation/119-s-3597)
- [119-s-4504: Full-Service Community School Expansion Act of 2026](https://policyrisk.com/legislation/119-s-4504)
- [119-s-3990: PrEP Access and Coverage Act of 2026](https://policyrisk.com/legislation/119-s-3990)
- [119-s-2823: FAMILY Act](https://policyrisk.com/legislation/119-s-2823)
- [119-s-2763: Keep Billionaires Out of Social Security Act](https://policyrisk.com/legislation/119-s-2763)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-s-4244 (as of 2026-09-10).