Do companies have to let me cancel subscriptions online?
Federal rules in the United States
The Federal Trade Commission adopted a click-to-cancel rule in 2024 that would have required businesses to make cancellation as easy as signup. A federal appeals court set that rule aside in 2025, so it does not apply as written. The FTC can still take action against deceptive or unfair cancellation practices under its general authority. Your state may still require easier cancellation even without the federal rule.
State auto-renewal laws
Many states have automatic renewal laws that set rules for disclosure, consent, and cancellation. California and New York are among the states with detailed requirements, though the details differ from state to state. These laws often require a cancellation method that is at least as easy as the signup method. Read the terms you accepted at signup, since they often describe the cancellation process.
What to do if a company makes it hard
Keep records of your signup, each cancellation attempt, and any confirmation numbers. Ask for written confirmation, and contact your card issuer about a dispute if a charge continues after you cancel. This is general information, not legal advice, so a consumer protection office or an attorney can explain your options.
Common mistakes
- Assuming the same rules apply everywhere, since state and country laws differ.
- Sending a cancellation message without keeping proof that it was sent.
- Waiting until the renewal date to act, when the company may require notice in advance.
