Bill · S. 3502· Senate(119-S-3502)
Timeshare Transparency Act
- Introduced
- 12/16/2025
- Last activity
- 12/16/2025 — Read twice and referred to the Committee on Commerce, Science, and Transportation.
- Sponsored by
- John Curtis
- Cosponsors
- - 1 - 1
- Introduced
- In Committee
What this bill would do
This bill is known as the Timeshare Transparency Act and was introduced in the Senate. It sets up new rules for selling timeshares to make the acquisition process clearer for buyers. Under the bill, timeshare agreements must include specific cost breakdowns, rules for fee changes, and options for ending the ownership. The bill gives the Federal Trade Commission the power to enforce these requirements and treat violations as unfair or deceptive acts. It also allows states to enforce their own rules if they provide even greater protection to consumers.
Yes· 3 of 10
Does this give people more protection from unfair business practices?+8
The bill significantly enhances consumer protection by establishing strict transparency requirements, fee disclosures, and a 14-day cancellation period for timeshare purchasers.
Would people over 65 be better off under this?+6
Seniors, who are disproportionately targeted for timeshare purchases, gain significant protections from high-pressure sales tactics and hidden fees.
Would middle-income households be better off under this?+6
Middle-class households purchasing leisure properties are shielded from unexpected financial liabilities and hidden maintenance fees.
The opposite
Would business owners be better off under this?-3
Timeshare companies and related businesses face stricter federal regulations and potential penalties for non-compliance.
Who it would affect, and how
Potential Positive Impacts for People
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Clear Cost Information: Section 2(a)(1)(A) requires timeshare agreements to include a single document with an itemized list of all costs needed to buy and maintain the timeshare, including ongoing fees. This helps people clearly see what they are paying for without hidden surprises.
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Notice of Fee Changes: Section 2(a)(1)(B) requires the agreement to specify which fees the timeshare company can change and explain how and when notice of those changes will be provided. This protects buyers from unexpected fee hikes by ensuring they know when changes are coming.
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Right to Cancel: Section 2(a)(1)(D) states that a buyer may terminate the agreement without penalty during the 14-day period after entering into the agreement. This gives people a window of time to back out of a deal if they change their minds.
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Unsupervised Document Review: Section 2(a)(2) ensures that buyers have a chance to review all documents associated with the agreement before signing, and this review must happen free from the supervision of a timeshare company employee. This lets people read the paperwork at their own pace without being pressured.
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Federal Enforcement: Section 2(b) gives the Federal Trade Commission the authority to enforce these transparency rules and penalize violators under the Federal Trade Commission Act. This holds companies accountable and protects people from unfair practices.
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Stronger State Protections: Section 2(d) clarifies that states can still enforce their own timeshare rules as long as they offer greater protection to consumers than this federal law. This ensures that people living in states with strong consumer laws do not lose those extra protections.
Potential Negative Impacts for People
Based on the provided text, there are no specific sections or provisions that outline negative consequences or burdens for individuals or groups of people in the United States.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Demographic And Interest Groups
- Good For Middle Class Households+6Good For Retirees+6Good For Seniors+6Good For Middle Aged+5Good For Young Adults+4Good For High Income Households+3Good For Business Owners-3
- Governance And Ideology
- Improves Government Transparency+6Increases Federal Power+5Increase States Rights+3
- Economy And Finance
- Improves Consumer Protection+8
- 3/25/2026
- 1 Cosponsor added.
- 12/16/2025
- Read twice and referred to the Committee on Commerce, Science, and Transportation.
- 1 Cosponsor added.
- Introduced in Senate
One bill Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
Marsha BlackburnRepublican · Tennessee
Adam SchiffDemocrat · California