Consumer Online Payment Transparency and Integrity Act

HR 4365, the Consumer Online Payment Transparency and Integrity Act, requires businesses to clearly disclose automatic renewal terms and cancellation procedures when selling goods or services with free trials or automatic renewal features. It mandates 7-day advance notice before charging consumers for renewals, requires express consent for each renewal (not just initial sign-up), and ensures cancellation is as easy as signing up (via online tools or toll-free numbers). The bill also prohibits "dark patterns" (manipulative design) from tricking consumers into unintended charges and voids automatic renewals if businesses violate these rules, requiring refunds for affected consumers. This directly affects consumers who encounter surprise charges from subscriptions or free trials that convert to paid services without clear consent.