Bill · S. 4244· Senate(119-S-4244)
Protect Your Points Act of 2026
- Introduced
- 3/26/2026
- Last activity
- 3/26/2026 — Read twice and referred to the Committee on Commerce, Science, and Transportation. (text: CR S1672)
- Sponsored by
- Richard Durbin
- Cosponsors
- None
- Introduced
- In Committee
What this bill would do
The "Protect Your Points Act of 2026" aims to amend existing laws regarding frequent flyer programs and co-branded credit cards. It establishes several new protections for consumers, including requirements for clear value disclosures and real-time updates. The bill prohibits airlines from setting expiration dates on accrued points or miles. It also mandates that consumers be allowed to transfer points between participants without fees or limits, except to prevent fraud. Additionally, the act requires more transparent displays of airfare costs and redemption rates. Finally, it mandates enhanced account security and requires significant advance notice for any changes to terms of service.
Yes· 3 of 6
Does this give people more protection from unfair business practices?+8
The bill enhances consumer protection by requiring value transparency, prohibiting point expiration, and mandating notice for terms changes.
Would middle-income households be better off under this?+5
The bill protects the financial value of frequent flyer points and prevents sudden devaluation or expiration.
Does this protect people from being watched or searched?+5
The bill mandates multi-factor authentication to improve the security of consumer accounts.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
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Value Transparency: Airlines must prominently display the financial value of points or miles on their websites and mobile apps, updating these values in real time (Section 2(a)(1)).
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Protection Against Expiration: Covered air carriers are prohibited from placing expiration dates on any points, miles, or other accrued value (Section 2(a)(2)).
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Freedom to Transfer Points: Consumers can transfer points to other program participants without being charged a fee or penalty, and the value must remain equal during the transfer (Section 2(a)(3)).
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No Hidden Fees for Using Points: Airlines cannot charge consumers a fee or penalty to access, use, redeem, or redeposit their earned points or miles (Section 2(a)(4)).
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Clear Pricing Comparisons: Booking pages must display the cost of airfare and ancillary fees in both dollars and the value of points concurrently, allowing for easier comparison (Section 2(a)(5)).
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Redemption Transparency: Airlines must display the percentage rate of points that consumers successfully redeemed over the previous year (Section 2(a)(6)).
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Flexible Payment Options: Consumers will have the ability to pay for airfare or ancillary fees using a combination of dollars and points/miles (Section 2(a)(7)).
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Enhanced Account Security: The bill requires multi-factor authentication for accessing frequent flyer accounts and other reasonable data security measures (Section 2(a)(8)).
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Protection Against Sudden Changes: Airlines must provide at least one year of notice before changing terms of service or taking actions that devalue a consumer's accrued points (Section 2(b)(1) and (2)).
Potential Negative Impacts for People
- No specific negative impacts are explicitly stated in the text provided.
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+5Good For Low Income Households+3Good For Urban Residents+2
- Governance And Ideology
- Improves Privacy Rights+5Improves Government Transparency+4
- Economy And Finance
- Improves Consumer Protection+8
- 3/26/2026
- Read twice and referred to the Committee on Commerce, Science, and Transportation. (text: CR S1672)
- Introduced in Senate