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US Court nullifies FTC requirement for click-to-cancel

arstechnica.com

141–150 of 599 posts

Re: US Court nullifies FTC requirement for click-to-cancel

#141
post #38
post #31

Earlier quoted context omitted.

If you are sniffing out corruption, aren’t the ones flouting required procedures likely the corrupt ones?

Kinda, but corruption in my favor is unlikely to see me complain about it.

That’s obviously no justification, all corruption is in someone’s favour. Society functions by rules. Break those founding principles and you break everything.

Re: US Court nullifies FTC requirement for click-to-cancel

#142

FYI: Everyone just use privacy.com It allows you to make virtual cards that are single use. So if a merchant keeps trying to charge you, it will automatically decline. Until the powers that be gets its act together and stops allowing businesses to run all over us...this is the way.

Is there anything like this that accepts EU customers?

Re: US Court nullifies FTC requirement for click-to-cancel

#143
post #140

The consumer protection laws are so bad the other side of Atlantic. Most European countries, have their own version of consumer protection agencies, usually any kind of complaint gets sorted out, even if takes a couple months. If they fail for whatever reason, there is still the top European one. Most of the time I read about FTC, it appears to side with the wrong guys.

neoliberal deregulation and regulatory capture, not necessarily in that order, has basically killed federal consumer protection in the US.

Re: US Court nullifies FTC requirement for click-to-cancel

#144

FYI: Everyone just use privacy.com It allows you to make virtual cards that are single use. So if a merchant keeps trying to charge you, it will automatically decline. Until the powers that be gets its act together and stops allowing businesses to run all over us...this is the way.

Is there anything like this that accepts EU customers?

Revolut has a disposable card feature. I'm sure there's some regular old school banks that have this as well, ING in the Netherlands does as far as I remember.

Re: US Court nullifies FTC requirement for click-to-cancel

#145
post #64

Earlier quoted context omitted.

Not gonna lie, I actually have canceled many service because of this single reason. If I get the feeling they want to hide these options specifically to keep me in a subscription, I immediately feel the urge to cancel even more, and also it gives me the feeling that the service itself is obviously, objectively, not good enough that they can just be honest and offer a easy cancel option - because they fear that too ma…

You are absolute minority that conscious about your financial but sorry to tell you that "most" people is "forgot" they sign up something and not open it in years that's happen more often than you think also financial illiterate is real

> You are absolute minority that conscious about your financial

Maybe but idk. I have calendar events for every single monthly expense & BNPL. Anything that isn't on-demand is in the calendar. That makes it easy to calculate future expenses and also serves as a reminder of what I'm paying for so I can cancel anything I don't think I'll need for a while. At least one subscription I've canceled and restarted a lot because I use it a bunch and then don't use it at all and then use it a bunch again and so on.

I also have a spreadsheet that I log every transaction into, because it gives me an easy way to see how my finances are doing and also gives me a way to keep track of charges that aren't properly descriptive on their own (for example, "wl *steam purchase" doesn't say which product was purchased; on the spreadsheet, I can see exactly, as well as for every other transaction, what I purchased, without having to look at each individual order). It's also faster to check than having to log into my bank, which ever since I switched to Mac has been forcing me through SMS verification every single time I log in no matter what.

Re: US Court nullifies FTC requirement for click-to-cancel

#147

From a different article [1]: > But the U.S. Court of Appeals for the Eighth Circuit said the FTC erred in its rulemaking process by failing to produce a preliminary regulatory analysis, a statutory requirement for rules whose annual effect on the national economy would exceed $100 million. > The FTC had argued that it was not required to prepare the preliminary analysis because its initial estimate of the rule’s imp…

I am not getting it. The rule makes competition in markets higher. Because dollars flow to best offers faster. And thus improve economic situation, not only in markets affected by rule, but also on all other markets, in case customer wants to take his money elsewhere.

And on international scale, because more competitive companies presumably out-compete foreign competitors.

So, FTC needs some permission and review to make national economy money?

Re: US Court nullifies FTC requirement for click-to-cancel

#148
post #31

Earlier quoted context omitted.

Because systematic corruption presumably?

If you are sniffing out corruption, aren’t the ones flouting required procedures likely the corrupt ones?

Almost never.

Whistleblowers are almost always revealing information that they are legally prevented from revealing, otherwise you wouldn’t need a whistleblower. A simple FOIA request would suffice.

Re: US Court nullifies FTC requirement for click-to-cancel

#150
post #11

The FTC was warned at the time that they were flouting required procedures and that their rule would therefore not survive legal scrutiny. Lo and behold it did not.

Please point to an example of these warnings.

> The FTC is required to conduct a preliminary regulatory analysis when a rule has an estimated annual economic effect of $100 million or more. The FTC estimated in a Notice of Proposed Rulemaking (NPRM) that the rule would not have a $100 million effect.

> But an administrative law judge later found that the rule's impact surpassed the threshold, observing that compliance costs would exceed $100 million "unless each business used fewer than twenty-three hours of professional services at the lowest end of the spectrum of estimated hourly rates," the 8th Circuit ruling said. Despite the administrative law judge's finding, the FTC did not conduct a preliminary regulatory analysis and instead "proceeded to issue only the final regulatory analysis alongside the final Rule," the judges' panel said.

It says it in the article

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