Hacker News Board Hacker News, browsed like a classic message board
Live data from Hacker News

FTC announces "click-to-cancel" rule making it easier to cancel subscriptions

ftc.gov

Post reply on HN
Print view View original

781–790 of 793 posts

Re: FTC announces "click-to-cancel" rule making it easier to cancel subscriptions

#781

Post by Beijinger »

peterldowns wrote: post #412
crazygringo wrote: post #400

Earlier quoted context omitted.

> You must be insane if you don't use virtual credit card numbers today. Virtual numbers protect against people stealing your number. They don't really do much against subscriptions. If you sign up for a service and stop paying, it gets sent to collections, and then impacts your credit score because of unpaid debt. Whether you used a virtual number or not is irrelevant. So it's not "insane" not to use virtual credit…

^ all of this is completely correct. I'll also add that many virtual credit cards that have "limits" or that let you "turn them off" work by not allowing transactions to auth, but merchants can almost always force an authorization that cannot be blocked. If you don't want to pay someone for a service you signed up for, you really do have to cancel your agreement with them, you can't just stop paying them. I'm very ex…

"but merchants can almost always force an authorization that cannot be blocked."

This is not true. They cant override a limit or bill a vCC that you disabled.

Re: FTC announces "click-to-cancel" rule making it easier to cancel subscriptions

#782

Post by xracy »

AnthonyMouse wrote: post #656
xracy wrote: post #597

Earlier quoted context omitted.

> Chevron deference wasn't created by Congress Yeah, but they could've overturned it if they didn't like it. > The main difference is that now unelected judges decide how to interpret the law instead of unelected administrative officials. But that's what judges do. This is a huge difference you kinda skip over. Should the policies and regulations of 100s of industries be decided by: 1. People who are only familiar wi…

> Yeah, but they could've overturned it if they didn't like it. The question is if they could've passed it to begin with. There is nothing in the constitution giving Congress the power to delegate its lawmaking authority to the executive branch, much less deprive the courts of their interpretive role. > Should the policies and regulations of 100s of industries be decided by: > 1. People who are only familiar with cou…

The 1st one is only better if judges are unbiased, but they're not, and we need to stop pretending like they are.

Re: FTC announces "click-to-cancel" rule making it easier to cancel subscriptions

#783

Post by PaulDavisThe1st »

AnthonyMouse wrote: post #775
PaulDavisThe1st wrote: post #757

Earlier quoted context omitted.

Unfortunately, many knowledgeable and intelligent people have failed to look into CU from any angle other than the one it is usually presented from: that is is about corporate spending on elections. Which it is, but as the GP described, it's about a lot more than that. I happen to think it was incorrectly decided - SCOTUS should have differentiated between different categories of corporation (using existing tax code…

> SCOTUS should have differentiated between different categories of corporation (using existing tax code distinctions), and prevented (at least) regular for-profit corporations (of any tax status) from political spending. It's not obvious how that would have made any difference when a for-profit corporation could just give the money it wants to spend to an aligned non-profit to spend it in the same way. Unless you me…

These are good points, and provide some good background for why SCOTUS believed that its CU decision was correct.

I'll ponder them carefully, and may respond in a day or so.

Re: FTC announces "click-to-cancel" rule making it easier to cancel subscriptions

#784

Post by ensignavenger »

lightedman wrote: post #635

I want to see the FTC go whomever gave Discord my new EXP and CVC so they could continue to charge me after my other card expired, especially since they use dark patterns in the cancellation process and won't just let you remove a card from your profile without canceling the subscription first, and they don't tell you that your remaining subscription will remain in effect until it expires. I consider that direct wire…

Your credit card company gave it to them. See https://www.creditcards.com/education/recurring-charges-upda...

Re: FTC announces "click-to-cancel" rule making it easier to cancel subscriptions

#785

Post by Kon-Peki »

perfectstorm wrote: post #466
Kon-Peki wrote: post #315

Earlier quoted context omitted.

> not an unsolvable problem I never said it was. In fact, I specifically said that there is work to do before making the rule about listing all prices inclusive of taxes.

but you did say that figuring out the final price is "unacceptable"? why is it unacceptable? my point is that other countries have figured out a way to display the final prices, but USA still hasn't figured out how to do it or they don't have any plans to do it.

As things stand currently, it would be unacceptably intrusive as you have to collect information on all shoppers whether they purchase or not.

Do the pre-work first, and then make a rule about displaying the final price.

Re: FTC announces "click-to-cancel" rule making it easier to cancel subscriptions

#786

Post by bennycha »

jedberg wrote: post #408

The nice thing about this is that most companies already have everything in place to do it, because California has had this rule for a few years. So all they have to do is remove the "not in California" filter.

makes me wonder if I can unlock this feature by making the cancellation request from a California IP...

Re: FTC announces "click-to-cancel" rule making it easier to cancel subscriptions

#787

Post by jedberg »

bennycha wrote: post #786
jedberg wrote: post #408

The nice thing about this is that most companies already have everything in place to do it, because California has had this rule for a few years. So all they have to do is remove the "not in California" filter.

makes me wonder if I can unlock this feature by making the cancellation request from a California IP...

You have to change your address in their system to California and then usually it works. It's usually not IP based.

Re: FTC announces "click-to-cancel" rule making it easier to cancel subscriptions

#788

Post by jedberg »

paulgb wrote: post #518
jedberg wrote: post #408

The nice thing about this is that most companies already have everything in place to do it, because California has had this rule for a few years. So all they have to do is remove the "not in California" filter.

Californians: has it worked out well? As a non-Californian it does seem to have, given how often the cancellation terms are specifically more favorable to Californians, but I wonder how it works in practice.

I haven't had to cancel much but the few times I have, it's been great!
Post reply on HN