Know your rights. 20 laws, rules, and tools explained in plain language — with practical tips for your disputes.
Federal regulation requiring businesses to make cancellation as easy as signing up.
Federal law requiring clear disclosure before charging for online subscriptions.
State and federal laws regulating how companies handle subscription auto-renewals.
EU regulation giving individuals the right to have their personal data deleted.
California law giving consumers the right to request deletion of their personal information.
A formal request to a company to disclose what personal data they hold about you.
A reversal of a credit card transaction initiated by the cardholder through their bank.
UK law making credit card companies jointly liable for purchases between £100-£30,000.
Federal law protecting consumers from unfair credit billing practices.
User interface designs that trick users into unintended actions like subscribing or preventing cancellation.
A legally mandated time window to cancel a purchase and get a full refund.
Marketing approach where silence or inaction is treated as agreement to be charged.
EU directive providing 14-day withdrawal rights for online and distance purchases.
UK law establishing rights to quality goods, satisfactory services, and fair contracts.
A deceptive practice making signup easy but cancellation intentionally difficult.
A penalty charged for canceling a contract before its end date.
A formal complaint filed with the Consumer Financial Protection Bureau against a financial institution.
A formal complaint filed with the Federal Trade Commission about unfair business practices.
A formal complaint filed with the Federal Communications Commission against telecom providers.
A formal written communication to a company disputing charges or requesting action.