Live data from Hacker News

‘Click to Cancel’ legislation introduced in Pennsylvania

pahouse.com

71–80 of 253 posts

Re: ‘Click to Cancel’ legislation introduced in Pennsylvania

#71
This sounds great.

Devil's advocate: Would this (or existing states' legislation, like California's) have any means of protecting against e.g. a non-CA user just changing their location to CA and immediately canceling? It sounds like an easy loophole for non-CA folks.

Re: ‘Click to Cancel’ legislation introduced in Pennsylvania

#72

Fully in favor of this. I recently had to cancel a subscription that had no "cancel subscription" button and instead forced you to contact customer service so they could try to sell you on discounts and etc. No, just let me cancel and get on with my day. Unfortunately, it seems health clubs(and I assume gyms?) are exempt from this when they are like 80% of the problem.

One thing you can do is just tell them you're deaf, cannot do a voice call, and need to cancel by e-mail.

Re: ‘Click to Cancel’ legislation introduced in Pennsylvania

#73

there's already something like this (no surprise) https://www.ftc.gov/legal-library/browse/statutes/restore-on... i'm guessing pretty much only CA enforces it and generally to make $ the way police do from ticketing. credit cards are the market solution here. they work. virtual cards are even better. more effective and efficient legislation would be to simply enforce processors to accept and not differentiate virtual…

Credit cards have worse privacy than bank accounts, and not everyone can or want to get one. They're also very popular for fraudsters. But yes virtual ones are a lot better.

Re: ‘Click to Cancel’ legislation introduced in Pennsylvania

#74
post #30

Earlier quoted context omitted.

The state of Pennsylvania governs a much larger population than just a bunch of local jurisdictions acting in unison. Unless you mean entire countries by "local jurisdictions."

Pennsylvania is less than 4% of the US population. That's a really small piece and it wouldn't be sustainable if every jurisdiction that small enacted different rules

The federal government is too dysfunctional to pass this sort of obvious legislation. They protected their video rental records within a year after Bork was smeared. Dark financial patterns? That's just too hard to do.

Re: ‘Click to Cancel’ legislation introduced in Pennsylvania

#75

Earlier quoted context omitted.

That stops the payment from happening. But it does not stop your contractual obligation to pay. So it really depends on the business and how much information they have about you, and if they are dirty enough to send you to collections for it. A gym is likely going to send you to collections. An online SaaS is more likely to just cut you off and cancel the account.

> But it does not stop your contractual obligation to pay. Can't you Americans just send a certified letter informing a business of your intent to cancel and asking them to send you a final bill (if any) to settle payments within a specified time limit? That should cover you legally?

Lol. In america, you are not "covered legally" if the other party has more money.

Re: ‘Click to Cancel’ legislation introduced in Pennsylvania

#76

Fully in favor of this. I recently had to cancel a subscription that had no "cancel subscription" button and instead forced you to contact customer service so they could try to sell you on discounts and etc. No, just let me cancel and get on with my day. Unfortunately, it seems health clubs(and I assume gyms?) are exempt from this when they are like 80% of the problem.

I wonder if this will turn into the "Do Not Call" list situation, which advertisers seem to download and use as their "Call List" because it's just so easy and accessible.

Confirm your email is valid, and then add it to the list of "continue to spam" accounts.

Re: ‘Click to Cancel’ legislation introduced in Pennsylvania

#77

Earlier quoted context omitted.

During the pandemic, I built a home gym in a spare space at home for a couple hundred dollars. I'm never paying for a gym again.

Unfortunately in most of the Bay Area, even just the floor space to have anything remotely usable as a home gym would cost many hundreds of dollars per month.

This takes creativity. Gymnast rings cost ~$10 which you can hang from a tree branch. Someone gave me a barbell, but I had no weights. So I screwed rings into some heavy logs and am now deadlifting ~400lbs. I get to do all this in my bikini in the sun while maintaining my garden between sets. I look like a fitness model and spent about $30 on my yard gym.

Re: ‘Click to Cancel’ legislation introduced in Pennsylvania

#78
post #72

Fully in favor of this. I recently had to cancel a subscription that had no "cancel subscription" button and instead forced you to contact customer service so they could try to sell you on discounts and etc. No, just let me cancel and get on with my day. Unfortunately, it seems health clubs(and I assume gyms?) are exempt from this when they are like 80% of the problem.

One thing you can do is just tell them you're deaf, cannot do a voice call, and need to cancel by e-mail.

Sounds like an opportunity for a SaaS company to provide text to speech service for companies, so all the "deaf" people can be subjected to upsells as well!

Re: ‘Click to Cancel’ legislation introduced in Pennsylvania

#79
post #67

Earlier quoted context omitted.

I think ignoring it is more likely. Imagine instead every jurisdiction enacting similar unique laws. You'd have ~25 things to comply with.

We already see this - have you read the disclaimers on loans? Many will have a call out for California, Wisconsin, and South Dakota if I remember correctly, as those states have certain things required or prohibited. Any online store dealing with gun or gun-adjacent stuff already has been dealing with variations of these for years; knives that are illegal in certain areas, etc. Home Depot has to block shipping gas-po…

Are these frictions good for either businesses or consumers? What is wrong with the desire that a good consumer protection protection be rolled out nationally rather that state by state?

Re: ‘Click to Cancel’ legislation introduced in Pennsylvania

#80
post #72

Fully in favor of this. I recently had to cancel a subscription that had no "cancel subscription" button and instead forced you to contact customer service so they could try to sell you on discounts and etc. No, just let me cancel and get on with my day. Unfortunately, it seems health clubs(and I assume gyms?) are exempt from this when they are like 80% of the problem.

One thing you can do is just tell them you're deaf, cannot do a voice call, and need to cancel by e-mail.

Or you can just say if you don't cancel by email you'll issue charge backs.
Post reply on HN