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Your Rights as a US Digital Subscriber
22 pages. Plain English. The federal and state laws subscription companies hope you never learn. Written by Francisco Infante from public sources, fully cited, free to forward.
What's inside
- 01
The FTC Click-to-Cancel Rule (2025)
What the rule actually requires, when it applies, and exactly how to invoke it when a company refuses.
- 02
ROSCA — the federal auto-renewal law
What disclosure companies are legally required to make before charging you. Why most violations go unprosecuted.
- 03
State laws that protect you more
California, New York, Vermont, Illinois, DC — comparative table of which state offers the strongest cancellation protections.
- 04
How to chargeback with your bank
The exact script and timeline for disputing unauthorized post-cancellation charges with Visa, Mastercard, and Amex.
- 05
Reporting dark patterns to the FTC
Abbreviated version of the full pillar guide — what to include, what to skip, what evidence works best.
- 06
Cease-and-desist letter template
Ready-to-customize template for unauthorized charges that continue after a documented cancellation.
- 07
Your right to a prorated refund
When proration applies, when you can demand a full refund, and the loophole companies use to deny both.
- 08
Escalating to the BBB and State Attorney General
When each channel is appropriate, what to send, and how long each takes to respond.
- 09
Resources & next steps
Vetted tools and links back to PageGuides. Affiliate links disclosed inline.
Disclaimer: This guide is educational, not legal advice. Every law and regulation cited links to its official source. If you have a complex case, talk to a lawyer.