FTC Click-to-Cancel: cancelling has to be as simple as signing up

2026-05-21

The FTC revised its Negative Option Rule in 2024 (16 CFR Part 425). The key point: cancellation must be at least as simple as how you signed up. If you signed up online with one click, you must be able to cancel online with one click. Charges that continue after a clear cancellation are unauthorized and refundable. Combine the merchant demand letter with a card-issuer dispute and an FTC complaint to maximize recovery. The QuickClaimAI Subscriptions tab generates the full packet.