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Court strikes down FTC's 'click-to-cancel' rule for subscriptions

One Piece of White Jigsaw Puzzle over Plain of White Puzzle with Subscribe and Unsubscribe Words. 3d Rendering

doomu/iStock via Getty Images

An appeals court has struck down the Federal Trade Commission's "click-to-cancel" rule requiring businesses to make it as easy for consumers to cancel subscriptions as it was to sign up, citing flaws in the rulemaking process.
上訴法院以法規制定程序存在瑕疵為由,駁回了聯邦貿易委員會的「點擊取消」規定,該規定要求企業必須讓消費者取消訂閱服務的流程與當初註冊時同樣簡便。

The U.S. Court of Appeals for the Eighth Circuit noted that the FTC did not issue a preliminary regulatory analysis of the costs and benefits of the rule, which was set to take effect on July 14. The analysis is a requirement for rules that will have an annual effect on the national economy of $100M or more.
美國第八巡迴上訴法院指出,聯邦貿易委員會未針對該規則發布成本效益的初步監管分析,該規則原定於 7 月 14 日生效。按規定,凡對國家經濟產生年度影響達 1 億美元或以上的規則,皆須進行此項分析。

"While we certainly do not endorse the use of unfair and deceptive practices in negative option marketing, the procedural deficiencies of the commission's rulemaking process are fatal here," the court's per curiam opinion read.
"法院全體無異議意見書指出:『儘管我們絕不認同負面選項行銷中使用不公平與欺騙性手段,但委員會法規制定程序的程序瑕疵在此具有致命影響。』"

"Excusing the commission's noncompliance with Section 22 [of the FTC Act] could open the door to future manipulation of the rulemaking process," it added.
"為聯邦貿易委員會未遵守《聯邦貿易委員會法》第 22 條的行為開脫,恐將開啟未來操弄法規制定程序的大門。"

The rule was passed under former Democratic Chair Lina Khan as part of a crackdown on deceptive subscription practices. "The FTC's click-to-cancel rule isn't going into effect for one reason: the Biden FTC cut corners and didn't follow the law. Process matters," said FTC Commissioner Mark Meador.
該法規在前任民主黨籍主席莉娜·汗任內通過,旨在打擊欺騙性訂閱亂象。「點擊取消規則無法生效只有一個原因:拜登政府領導的聯邦貿易委員會走捷徑且未遵守法律。程序很重要。」聯邦貿易委員會委員馬克·米多強調。

The Chamber of Commerce and a trade group - representing major media firms including Disney (NYSE:DIS), Paramount (NASDAQ:PARA) and Comcast (NASDAQ:CMCSA) - were among those that sued to block the rule. Other trade groups representing online advertising, insurance, and gyms also pushed back against the rule.
商會及代表迪士尼(NYSE: DIS)、派拉蒙(NASDAQ: PARA)和康卡斯特(NASDAQ: CMCSA)等大型媒體公司的貿易團體,均提起訴訟要求撤銷該規定。代表線上廣告、保險及健身產業的其他行業組織也對該規定提出抵制。

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Dividend Trapper_2
10 Jul. 2025, 9:59 AM
Click to cancel was an obvious benefit to consumers, but not to businesses that rely on laziness and deception to trap people in recurring subscriptions.
一鍵退訂對消費者顯而易見有利,但對那些利用人性弱點與欺騙手段設下續訂陷阱的企業而言卻非如此。

Use a virtual credit card that only stays open temporarily or mention "chargebacks" to companies that refuse to refund bogus subscriptions.
使用僅暫時有效的虛擬信用卡,或向拒絕退還虛假訂閱費用的公司提出「爭議款」要求。
GR8APPT
09 Jul. 2025, 1:29 PM
Comments (22)
|
Click to cancel was a very good thing for consumers, that is why is was knocked down - pure greed on the part of these corporations.
點擊取消功能對消費者本是好事,正因如此才遭廢除——純粹是這些企業的貪婪所致。
L-S Tech
10 Jul. 2025, 9:44 AM
@GR8APPT Yes, those corporations challenged it out of self interest. But it was knocked down because the judges believed it was implemented with a process that was illegal.
是的,那些企業是出於自身利益挑戰該法規。但它之所以被推翻,是因為法官們認為其是以非法程序實施的。

Hopefully it will be re-implemented via a legal process.
期盼該法規能經由合法程序重新實施。
Blowback2
09 Jul. 2025, 1:04 PM
Yes. In grift society one must not give the sucker an even break. Ever.
是的。在詐騙社會裡,絕不能讓冤大頭有喘息機會。永遠不要。
RealRural
09 Jul. 2025, 10:47 AM
Talk about the pot, calling the kettle black, Mr. Meador. As for the court, this seems like an odd procedural hurdle, to place a dollar cost on a simple requirement to make clicking on a cancellation for some service readily available. Was this the case of a court looking for a wrinkle they could hang their ruling on?
米多先生,這可真是五十步笑百步啊。至於法院,將「提供便捷取消服務按鈕」這項簡單要求設定金錢成本門檻,似乎是種奇怪的程序障礙。難道這是法院刻意尋找判決依據的藉口嗎?

I agree with those who say that finding a way to unsubscribe from something sometimes requires doing the equivalent of jumping through numerous digital hoops in search of the right spot to do this.
我同意某些觀點:要找到取消訂閱的途徑,有時簡直像在數位迷宮裡跳火圈般困難,只為尋找那個正確的取消按鈕。
IL Cricket
09 Jul. 2025, 12:33 PM
@RealRural You hit the nail on the head -- Court had its view, found a way to justify the result it wanted. Call me cynical, but that's the way it works.
一針見血——法院自有立場,總能找到理由支持其預設結論。說我憤世嫉俗也罷,但現實往往如此運作。
Just Some Guy
09 Jul. 2025, 10:29 AM
Did they intentionally fail to follow procedure?
他們是蓄意違反程序的嗎?
ptnyc
09 Jul. 2025, 9:51 AM
What a BS corporate giveaway. Cancelling memberships often takes hours of a consumer's time. It is a ridiculous judgment and clearly detrimental to consumers. Not sure why the $100M effect on economy was used at all. One can argue that so many of Trump's cuts, while having very small taxpayer savings, will have billions of dollars of detrimental downstream and multiplier effects on the economy and consumers. I guess it's no surprise given the evisceration of the CFPB which side Trump is on: price gouging, predatory lending, discriminatory interest rate levying, high cc fees, conflicts of interest, etc.
根本是狗屁的企業福利!取消會員資格常耗費消費者數小時時間,這判決荒謬至極且明顯損害消費者權益。不明白為何要搬出「影響經濟一億美元」的說詞。照此邏輯,川普許多削減政策雖節省微薄稅收,卻將造成數十億經濟損害與連鎖效應。考量其削弱消費者金融保護局的立場,他支持哄抬物價、掠奪性貸款、歧視性利率、高額信用卡費與利益衝突等行徑,倒也不意外。
npc_75726d6f6d
09 Jul. 2025, 8:50 AM
dont sign up for this stuff
別註冊這些玩意兒

starve the useless stream crap
讓那些沒用的串流垃圾餓死吧
DomL
09 Jul. 2025, 8:58 AM
@npc_75726d6f6d this is one way
Axle.00
09 Jul. 2025, 10:19 AM
@npc_75726d6f6d Buy your music and you pay once. People are silly paying $15/month to rent music when they listen to the same $10 albums over and over.
直接買斷音樂只需付費一次。人們月付 15 美元租音樂,反覆聽的卻是那幾張 10 美元的專輯,實在犯傻。
Eviemm
09 Jul. 2025, 11:25 AM
@Axle.00 Great point. Just renewed my contract with SiriusXM. They said that my price (same as last year) would never change anymore.
說得精闢!我剛續約 SiriusXM,對方保證我的費率(與去年相同)永不變更。
IL Cricket
09 Jul. 2025, 12:35 PM
@Eviemm I'm up for renewal, noticed that it gets cranked up each year. If you don't mind me asking, what rate did you get so I can set my expectations?
我合約快到期了,發現他們每年都漲價。方便透露你談到的費率嗎?讓我有個底。
Eviemm
09 Jul. 2025, 12:53 PM
@IL Cricket $9. per mo per radio. I cut from three to two because we sold a car.
每台收音機每月 9 美元。我賣掉一輛車後從三台減為兩台。
ransim7222
09 Jul. 2025, 7:22 AM
We MUST have DUE PROCESS!
我們必須遵守正當程序!

Sound familiar?
Herbert +H-Dog+ Kornfeld
09 Jul. 2025, 11:41 AM
@ransim7222 apparently that applies to corporations... people, not so much
顯然這原則只適用企業...對普通人嘛,就另當別論了
sodajerk
09 Jul. 2025, 7:10 AM
I’m sure Commissioner Meador, being as much an advocate for consumers as his predecessor, will correct the deficiencies in this rule and advocate for its swift enactment.
我相信米多委員長會如同前任般捍衛消費者權益,必將修正此規定的缺失並推動其迅速實施。
Silky Oak Capital
09 Jul. 2025, 8:40 AM
@sodajerk Yes when pigs learn how to fly he will get right on it
是啊,等豬會飛的時候他肯定馬上處理
NZK91G
09 Jul. 2025, 7:06 AM
Just change your payment method to a credit card that you don’t use and then freeze the card. Then they will cancel you.
直接把付款方式改成不用的信用卡,然後凍結卡片,他們自然會幫你取消。
crvgt
09 Jul. 2025, 7:55 AM
Comments (1)
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@NZK91G ignore my other comment. How do you "freeze" a card? I had not heard that term before.
忽略我先前的留言。請問怎麼「凍結」卡片?這詞我頭回聽說。
NZK91G
09 Jul. 2025, 8:11 AM
@crvgt You go to your online account and there will be a section for freeze card or lock card. I have five credit cards, and only use two of them. I keep the others locked just to be safe.
登入網路銀行帳戶,會有「凍結卡片」或「鎖定卡片」的選項。我五張信用卡只常用兩張,其餘全數凍結以策安全。
NZK91G
09 Jul. 2025, 8:26 AM
@crvgt BTW you can also freeze your credit online so that nobody can apply for credit in your name. Just establish an online account with each credit reporting agency and freeze your credit. You can unfreeze it online if you want to apply for new credit and then refreeze it afterwards.
順帶一提,你還能在線上凍結信用報告,防止他人冒名申貸。只需向各信用報告機構開通網路帳戶並凍結信用即可。需要申辦新信用時可線上解凍,事後再重新凍結。
Kansas King
09 Jul. 2025, 9:23 AM
@NZK91G Not necessarily. Some businesses will just rack up your bill with more dues and late fees until it's high enough to sue or send your bill to collections.
不見得。有些業者只會不斷在你的帳單上累積更多費用和滯納金,直到金額高到可以起訴你或把你的帳單轉給催收公司。
NZK91G
09 Jul. 2025, 9:26 AM
@Kansas King Only if you’re under contract.
只有在合約期間才適用。
Axle.00
09 Jul. 2025, 10:18 AM
@NZK91G Or you can use virtual credit card numbers and delete the number. Most credit cards offer this.
或者您可以使用虛擬信用卡號並刪除該號碼。多數信用卡皆提供此功能。
NZK91G
09 Jul. 2025, 7:03 AM
Not surprised to see gyms in the pushback list
健身房出現在抵制名單並不意外
bbro
09 Jul. 2025, 6:57 AM
What B.S.....
Michael Maiello
09 Jul. 2025, 6:45 AM
This is too bad. Click to cancel seems like a no-brainer. But I also believe things like “if a company bills or contacts you over email, you should be able to reply to that email with concerns or questions and get a response.”
這實在令人遺憾。「點擊取消」看似理所當然。但我同樣認為:「若企業透過電子郵件寄送帳單或聯繫客戶,客戶理應能夠直接回覆該郵件提出疑慮或問題——並獲得回應。」
tom_t
09 Jul. 2025, 6:28 AM
We live in a society where some businesses feel the need to be deceptive in order to take your money. If there is one thing sorely needed today, it's integrity, but given that everyone worships money, integrity isn't coming back. Too bad for us.
我們身處的社會裡,有些商家覺得必須靠欺騙手段才能賺取你的錢財。若說當今社會有什麼迫切需求,那便是誠信二字了。但既然人人崇拜金錢,誠信之道終究不會回來了——這對我們而言真可惜。
Herbert +H-Dog+ Kornfeld
09 Jul. 2025, 9:51 AM
@tom_t some businesses, such as all the big ones.
部分企業,尤其是所有的大型企業

Amazon was forcing users to make their way through six different pages to quit Prime
亞馬遜強迫用戶必須通過繁複的六個頁面流程才能取消 Prime 會員

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