NYC Click-to-Cancel Enforcement Starts. The Fine Is Not Your Automatic Refund

The October 1 rule targets subscription traps and adds a complaint route. It is a city protection, not a nationwide cancellation law.

By Kseniya Dzigava · October 2, 2026

New York City began enforcing its Click-to-Cancel rule October 1 and launched an online complaint portal, the city announced. The rule covers automatic-renewal and continuous-service subscriptions and requires clear disclosures and a straightforward cancellation process.

NYC311 says cancellation must be available through the same method used to sign up. The city gives requiring an online subscriber to cancel by phone or in person as an example of a practice consumers can report. Other examples include delayed cancellation, undisclosed renewal and changes to subscription terms that were not communicated.

The announcement says businesses can face restitution and civil penalties, with fines starting at $525 per violation. A fine is an enforcement sanction, not a promised $525 payment to each subscriber. The city also cites an estimate of possible annual savings; it is a forecast, not money already recovered for residents.

Keep the signup terms, attempted cancellation, dates and continued charges when making a complaint. The city says complainants receive a number to track their case and that mediators may work with the consumer and business. A complaint is not proof that a charge has been reversed or a subscription has ended. Use the official city route and check the actual account status. This new local rule should not be described as applying to every U.S. subscription or replacing other state and federal protections.

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