{
  "schemaVersion": "1.0",
  "version": "2026-10-24.1",
  "title": "State automatic renewal laws and ROSCA",
  "scope": "ROSCA and the expressly listed state general consumer automatic renewal provisions. This initial table does not claim every state or industry is covered. Only fully verified rows enter exports.",
  "exclusions": [
    "Insurance, utilities, business-to-business contracts, and other sector-specific renewal laws.",
    "Contract-date transition rules and applicability determinations. A missing state is a coverage gap."
  ],
  "verifiedOn": "2026-10-24",
  "nextVerificationOn": "2027-01-24",
  "rows": [
    {
      "id": "US-ROSCA",
      "jurisdiction": "United States",
      "code": "US",
      "citation": "15 U.S.C. 8403",
      "fields": {
        "disclosure": "Disclose all material terms before obtaining billing information.",
        "consent": "Express informed consent before charging.",
        "acknowledgment": "Not specified in section 8403.",
        "onlineCancellation": "Provide a simple mechanism to stop recurring charges. Section 8403 does not itself prescribe every cancellation medium.",
        "reminders": "Not specified in section 8403."
      },
      "sources": [
        {
          "url": "https://www.govinfo.gov/content/pkg/USCODE-2024-title15/html/USCODE-2024-title15-chap110-sec8403.htm",
          "title": "15 U.S.C. 8403",
          "retrievedOn": "2026-10-24"
        }
      ],
      "status": "Verified",
      "verifiedOn": "2026-10-24",
      "nextVerificationOn": "2027-01-24"
    },
    {
      "id": "CA-ARL",
      "jurisdiction": "California",
      "code": "CA",
      "citation": "Cal. Bus. & Prof. Code 17602",
      "fields": {
        "disclosure": "Clearly and conspicuously disclose renewal terms before consent.",
        "consent": "Express affirmative consent to automatic renewal or continuous service terms.",
        "acknowledgment": "Retainable acknowledgment with terms, cancellation policy, and cancellation information.",
        "onlineCancellation": "Cancellation in the enrollment medium or the medium normally used to interact, subject to the statute. Online cancellation requirements apply.",
        "reminders": "Annual reminders. Qualifying annual renewals 15 to 45 days before renewal; qualifying trials over 31 days, 3 to 21 days before expiry; accepted fee changes 7 to 30 days before effect. Check contract-date conditions."
      },
      "sources": [
        {
          "url": "https://www.oag.ca.gov/news/press-releases/attorney-general-bonta-issues-consumer-alert-california%E2%80%99s-automatic-renewal-law",
          "title": "Cal. Bus. & Prof. Code 17602",
          "retrievedOn": "2026-10-24"
        }
      ],
      "status": "Verified",
      "verifiedOn": "2026-10-24",
      "nextVerificationOn": "2027-01-24"
    },
    {
      "id": "NY-ARL",
      "jurisdiction": "New York",
      "code": "NY",
      "citation": "N.Y. General Business Law 527-a",
      "fields": {
        "disclosure": "Disclose renewal price, charge frequency, cancellation deadline, and mechanisms before requesting consent or billing information.",
        "consent": "Affirmative consent before initial charges. Price increases have separate consent or refund conditions.",
        "acknowledgment": "Prompt retainable notice after consent with the statutory terms.",
        "onlineCancellation": "Simple cancellation through the consent medium and other enrollment media, with the statutory in-person alternatives.",
        "reminders": "Specified long-term renewals 15 to 45 days before the cancellation deadline; trials over one month 3 to 21 days before the cancellation deadline; material changes 5 business days to 30 days before effect."
      },
      "sources": [
        {
          "url": "https://www.nysenate.gov/legislation/laws/GBS/527-A",
          "title": "N.Y. General Business Law 527-a",
          "retrievedOn": "2026-10-24"
        }
      ],
      "status": "Verified",
      "verifiedOn": "2026-10-24",
      "nextVerificationOn": "2027-01-24"
    },
    {
      "id": "OR-ARL",
      "jurisdiction": "Oregon",
      "code": "OR",
      "citation": "ORS 646A.293 and 646A.295",
      "fields": {
        "disclosure": "Clear renewal terms before fulfillment and near the request for consent.",
        "consent": "Affirmative consent before charging.",
        "acknowledgment": "Retainable acknowledgment with offer terms and how to cancel; trial cancellation before payment.",
        "onlineCancellation": "A toll-free phone number, email, specified postal option, or another cost-effective, timely and easy-to-use mechanism, described in the acknowledgment.",
        "reminders": "Material-change notice before implementation. No general periodic renewal reminder specified in 646A.295."
      },
      "sources": [
        {
          "url": "https://www.oregonlegislature.gov/bills_laws/ors/ors646a.html",
          "title": "ORS 646A.293 and 646A.295",
          "retrievedOn": "2026-10-24"
        }
      ],
      "status": "Verified",
      "verifiedOn": "2026-10-24",
      "nextVerificationOn": "2027-01-24"
    }
  ],
  "unverifiedRowsExcluded": [
    "VA-ARL",
    "IL-ARL",
    "MA-ARL",
    "CO-ARL"
  ],
  "notes": [
    "The Eighth Circuit vacated the FTC 2024 amended negative option rule. The FTC recodified the earlier rule effective February 12, 2026. See the official final rule below.",
    "The March 13, 2026 action is an advance notice of proposed rulemaking, not a replacement final click-to-cancel rule. ROSCA and state laws remain separate obligations."
  ],
  "additionalSources": [
    {
      "url": "https://www.govinfo.gov/content/pkg/FR-2026-02-12/html/2026-02866.htm",
      "title": "FTC final rule recodifying the earlier negative option text",
      "retrievedOn": "2026-10-24"
    },
    {
      "url": "https://www.govinfo.gov/content/pkg/FR-2026-03-13/html/2026-04952.htm",
      "title": "FTC advance notice of proposed rulemaking",
      "retrievedOn": "2026-10-24"
    }
  ],
  "changelog": [
    {
      "date": "2026-10-24",
      "change": "Initial source-backed snapshot. Unverified rows are visibly marked and excluded from downloads. No nationwide completeness claim is made."
    }
  ]
}