Consumer Online Payment Transparency and Integrity Act

Improved Transparency: Sellers must disclose renewal features and cancellation procedures clearly and conspicuously in the contract (Section 2(a)).

Advance Notice of Charges: Consumers must be notified of an automatic renewal or the end of a free trial at least 7 days before the charge occurs (Section s 2(b)(1) and 2(c)(1)).

Simplified Cancellation: The bill requires an online mechanism and other easy-to-use methods, such as a toll-free number or email, to allow consumers to easily cancel their contracts (Section 2(b)(1)(B) and 2(c)(1)(B)).

Protection Against Inactivity: If a person has not used a service for 6 consecutive months, the seller must obtain new express informed consent and notify the consumer of their right to terminate and receive a prorated refund (Section 2(b)(3)).

Annual Consent Requirements: Sellers are required to obtain express informed consent every year before charging a consumer for an automatic renewal (Section 2(b)(2)).

Protection from Deceptive Interfaces: Consent obtained through "dark patterns," which impair user choice, will not be considered valid (Section 2(e)).

Right to Refunds: If a seller violates the disclosure or notification rules, the automatic renewal provision becomes void and the seller must refund all amounts paid due to the violation (Section 2(d)).