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ROSCA (Restore Online Shoppers' Confidence Act) — What It Means & How to Use It

📖 What It Means

The Restore Online Shoppers' Confidence Act (ROSCA) is a federal law that prohibits charging consumers for goods or services sold through negative option features unless the seller clearly discloses all material terms, obtains express informed consent, and provides a simple cancellation mechanism. ROSCA specifically targets "data pass" and "post-transaction" third-party sales.

✅ Key Points

1Sellers must clearly disclose all material terms before charging
2Express informed consent is required — pre-checked boxes are insufficient
3A simple cancellation mechanism must be provided
4Violations carry penalties up to $50,120 per violation
5FTC actively enforces ROSCA against subscription traps

💡 How to Use This

If a company enrolled you in a subscription without your clear, affirmative consent, cite ROSCA in your dispute. This is especially effective for "free trial" conversions and bundled subscriptions.

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⚖️ Legal Citation

15 U.S.C. §§ 8401–8405

Use this citation in your dispute letters for legal weight.

🔗 Related Terms

FTC Click-to-Cancel Rule

Federal regulation requiring businesses to make cancellation as easy as signing up.

Negative Option Marketing

Marketing approach where silence or inaction is treated as agreement to be charged.

Dark Patterns (Deceptive Design)

User interface designs that trick users into unintended actions like subscribing or preventing cancellation.

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