State automatic renewal laws and ROSCA
Verified online renewal disclosure, consent, acknowledgment, cancellation, and reminder rules with a federal rule-status note.
Source review October 24, 2026. 4 fully verified rows. 4 rows remain marked Not verified.
Scope and exclusions
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.
- 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.
This reference summarizes source text. It is not legal advice. A missing or unverified entry does not mean no law applies.
What the sources say
State automatic renewal laws and ROSCA. Snapshot October 24, 2026.
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| Jurisdiction | Clear disclosure | Consent | Acknowledgment | Cancellation | Reminders | Official provision and verification |
|---|---|---|---|---|---|---|
| United StatesUS-ROSCA | Disclose all material terms before obtaining billing information. | Express informed consent before charging. | Not specified in section 8403. | Provide a simple mechanism to stop recurring charges. Section 8403 does not itself prescribe every cancellation medium. | Not specified in section 8403. | 15 U.S.C. 8403Retrieved 2026-10-24. Verified. Verified 2026-10-24. Next review 2027-01-24. |
| CaliforniaCA-ARL | Clearly and conspicuously disclose renewal terms before consent. | Express affirmative consent to automatic renewal or continuous service terms. | Retainable acknowledgment with terms, cancellation policy, and cancellation information. | Cancellation in the enrollment medium or the medium normally used to interact, subject to the statute. Online cancellation requirements apply. | 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. | Cal. Bus. & Prof. Code 17602Retrieved 2026-10-24. Verified. Verified 2026-10-24. Next review 2027-01-24. |
| New YorkNY-ARL | Disclose renewal price, charge frequency, cancellation deadline, and mechanisms before requesting consent or billing information. | Affirmative consent before initial charges. Price increases have separate consent or refund conditions. | Prompt retainable notice after consent with the statutory terms. | Simple cancellation through the consent medium and other enrollment media, with the statutory in-person alternatives. | 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. | N.Y. General Business Law 527-aRetrieved 2026-10-24. Verified. Verified 2026-10-24. Next review 2027-01-24. |
| VirginiaVA-ARL | Clear renewal terms before the consumer becomes obligated, close to the consent request. | Affirmative consent before the initial recurring charge. | Retainable acknowledgment with renewal terms and cancellation information; free trials require cancellation information before payment. | Not verified against every current cancellation subparagraph. | Not verified against the current trial and renewal notice conditions. | Va. Code 59.1-207.46Retrieved 2026-10-24. Not verified. Excluded from exports. Next review 2027-01-24. |
| OregonOR-ARL | Clear renewal terms before fulfillment and near the request for consent. | Affirmative consent before charging. | Retainable acknowledgment with offer terms and how to cancel; trial cancellation before payment. | A toll-free phone number, email, specified postal option, or another cost-effective, timely and easy-to-use mechanism, described in the acknowledgment. | Material-change notice before implementation. No general periodic renewal reminder specified in 646A.295. | ORS 646A.293 and 646A.295Retrieved 2026-10-24. Verified. Verified 2026-10-24. Next review 2027-01-24. |
| IllinoisIL-ARL | Not verified against the full current act. | Not verified. | Not verified. | Not verified. | Not verified. | 815 ILCS 601Retrieved 2026-10-24. Not verified. Excluded from exports. Next review 2027-01-24. |
| MassachusettsMA-ARL | Not verified against the full regulation and current transition dates. | Not verified. | Not verified. | Not verified. | Not verified. | 940 CMR 38.00Retrieved 2026-10-24. Not verified. Excluded from exports. Next review 2027-01-24. |
| ColoradoCO-ARL | Disclose renewal and cancellation terms, recurring charges, and term length. | Not verified against current amendments. | Not verified against current amendments. | SB 25-145 requires an online cancellation opportunity for online enrollment, with a simultaneous direct cancellation link alongside retention offers. Check the applicable contract date. | Not verified against current amendments. | C.R.S. 6-1-732Retrieved 2026-10-24. Not verified. Excluded from exports. Next review 2027-01-24. |
Reading 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.
- FTC final rule recodifying the earlier negative option text. Retrieved 2026-10-24.
- FTC advance notice of proposed rulemaking. Retrieved 2026-10-24.
Update policy and changelog
Business Compliance Tools reviews this table quarterly and when an identified source change affects a row. Next scheduled review 2027-01-24.
Exports include only fully verified rows. Unknown fields remain visible in the HTML ledger, with the row excluded from both downloads.
- . Initial source-backed snapshot. Unverified rows are visibly marked and excluded from downloads. No nationwide completeness claim is made.
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