Your rights when you cancel

ROSCA: your federal right to stop recurring charges

The Restore Online Shoppers' Confidence Act requires online sellers to disclose terms, get your consent and give you a simple way to stop recurring charges.

FTC click-to-cancel rule: where it stands

The FTC's 2024 click-to-cancel rule was vacated in July 2025 and rulemaking restarted in 2026. Here's what still protects you when you cancel a subscription.

California's Automatic Renewal Law: click to cancel

California's Automatic Renewal Law (Bus. & Prof. Code §17600+) requires clear terms, consent and online cancellation for subscriptions bought online.

New York's auto-renewal law (GBL § 527-a)

New York General Business Law § 527-a requires clear auto-renewal terms, consent and an easy way to cancel — online if you signed up online.

State auto-renewal laws: can you cancel online?

Many states have automatic-renewal laws, and a growing number require online cancellation for online sign-ups. What they cover and how to use them.

How to report a company that won't let you cancel

Can't cancel or still being charged? Where to report it: the FTC, your state attorney general, the CFPB for bank issues, and the BBB.

How to stop a recurring ACH payment with your bank

Still being debited after cancelling? Under Regulation E you can stop recurring bank debits by telling your bank at least 3 business days before the next one.

How to dispute a subscription charge after cancelling

Charged after you cancelled? How to ask for a refund, dispute a credit card charge (Fair Credit Billing Act), and handle debit card or bank debits.

How to write a subscription cancellation letter

A free cancellation letter template, what to include, which laws to cite (ROSCA, California, New York), and why to send it by certified mail.

Free trials: how not to get charged

Free trials turn into paid subscriptions automatically, sometimes for a whole year. How to cancel in time and what to do if you were charged.

How to find all your subscriptions (even the forgotten ones)

Spot every subscription and recurring charge on your bank and card statements, decode cryptic descriptions, and stop paying for what you don't use.

How to cancel App Store and Google Play subscriptions

In-app subscriptions are billed by Apple or Google and must be cancelled in the store, not the app. Steps for iPhone, iPad, Mac and Android, plus refunds.