State law tracker

Automatic Renewal Laws by State in 2026

By ClauseAudit Research · Verified against official sources ·

Which states have automatic renewal laws?

27 of the 51 jurisdictions we track (50 states plus DC) have an automatic renewal law, and 24 have no general one. 21 require a reminder before renewal and 18 require online cancellation if you signed up online. No federal click to cancel rule is in force, though ROSCA still covers online subscriptions.

A laptop on a wooden desk beside a printed subscription agreement, a pen and a paper calendar with one date circled, in soft morning light.
states have an automatic renewal law
27
require online cancellation when you signed up online
18
require a reminder before renewal
21
states have no general auto-renewal law
24

You signed up for a free trial, forgot about it, and now there is a charge on your card for a full year. Your odds of getting that money back depend a lot on where you live. Some states make sellers ask for clear consent, send a reminder weeks ahead and let you cancel with a click. Others have no general rule at all.

This page explains how those laws work, which states go furthest, where business buyers are protected too, and what federal law still applies now that the FTC's 2024 click to cancel rule is gone. The full state table sits below, so here we focus on what the rules mean for you and what to do next.

Automatic renewal laws by state. Covers consumers and businesses: Colorado, North Dakota, Virginia. Covers consumer contracts: Arkansas, California, Connecticut, Delaware, District of Columbia, Georgia, Hawaii, Idaho, Illinois, Kentucky, Louisiana, Maryland, Massachusetts, Minnesota, New York, North Carolina, Oregon, Tennessee, Utah, Vermont. Only certain contracts: Florida, Maine, New Mexico, South Carolina. No general law: Alabama, Alaska, Arizona, Indiana, Iowa, Kansas, Michigan, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, Ohio, Oklahoma, Pennsylvania, Rhode Island, South Dakota, Texas, Washington, West Virginia, Wisconsin, Wyoming.Alabama: Alabama has no general automatic renewal law. Federal rules such as ROSCA still protect online subscribers.ALAlaska: Alaska has no general automatic renewal law. Federal rules such as ROSCA still protect online subscribers.AKArizona: Arizona has no general automatic renewal law. Federal rules such as ROSCA still protect online subscribers.AZArkansas: Since 2025, Arkansas requires clear renewal terms, consent before charging, renewal reminders for yearly plans and a way to cancel online if you signed up online.ARCalifornia: California has the strictest rules: express consent, renewal and price change reminders, a yearly reminder and click to cancel online. Save offers must show a cancel button too.CAColorado: Colorado requires renewal reminders 25 to 40 days before yearly renewals and one step online cancellation. Since February 2026 the law also protects business buyers.COConnecticut: Connecticut requires clear renewal terms, consent and an easy way to cancel, including online by link, button or email. From July 2026 it adds a yearly renewal reminder and a phone cancellation option.CTDelaware: Delaware requires clear renewal terms, a reminder 30 to 60 days before longer contracts renew and online cancellation if you signed up online.DEDistrict of Columbia: DC requires yearly reminders 30 to 60 days before long contracts renew, free trial reminders and fresh consent before charging after a free trial.DCFlorida: Florida's law covers service, maintenance and repair contracts only. Sellers must send a reminder 30 to 60 days before renewal and let you cancel the way you signed up.FLGeorgia: Georgia requires online subscriptions to be cancellable online, with consent before charging and a charge notice. For consumer service contracts of a year or more, sellers must send a reminder 30 to 60 days before the cancellation deadline.GAHawaii: Hawaii requires consent before charging, a reminder 30 to 60 days before yearly contracts renew and an easy way to cancel. Refusing to cancel is an unfair practice.HIIdaho: Idaho covers subscriptions bought online. Sellers must offer free online cancellation and send a reminder 30 to 60 days before yearly plans renew.IDIllinois: Illinois requires consent before charging, free trial reminders, a reminder 30 to 60 days before yearly contracts renew and online cancellation for online sign ups.ILIndiana: Indiana has no general automatic renewal law. Federal rules such as ROSCA still protect online subscribers.INIowa: Iowa has no general automatic renewal law. Gym contracts cannot auto renew, and federal rules still protect online subscribers.IAKansas: Kansas has no general automatic renewal law. Federal rules such as ROSCA still protect online subscribers.KSKentucky: Since January 1, 2024, Kentucky requires clear renewal terms, affirmative consent before charging, an acknowledgment with cancellation details, notice of material changes, and online cancellation for online sign-ups.KYLouisiana: Louisiana currently requires only clear renewal and cancellation terms. From January 1, 2027, the Click-to-Cancel Act adds consent, acknowledgment, renewal notices and an easy cancellation mechanism, but businesses with fewer than 50 employees or under $5 million in revenue are exempt.LAMaine: Maine covers online subscriptions such as apps, streaming, software and games, plus gym memberships. You must consent, can cancel the way you joined and get triple refunds for unauthorized charges.MEMaryland: Since June 1, 2026, Maryland requires clear renewal terms, reminders before trials and yearly plans renew and online cancellation as easy as signing up.MDMassachusetts: Since September 2025, Massachusetts rules require clear trial and renewal terms, a reminder before longer plans renew and cancellation as easy as signing up.MAMichigan: Michigan has no general automatic renewal law. Federal rules such as ROSCA still protect online subscribers.MIMinnesota: Minnesota requires a yearly notice for ongoing subscriptions, easy website cancellation and limits on save offers when you try to cancel.MNMississippi: Mississippi has no general automatic renewal law. Federal rules such as ROSCA still protect online subscribers.MSMissouri: Missouri has no general automatic renewal law. Buyers club contracts cannot auto renew, and federal rules still protect online subscribers.MOMontana: Montana has no general automatic renewal law. Federal rules such as ROSCA still protect online subscribers.MTNebraska: Nebraska has no general automatic renewal law. Federal rules such as ROSCA still protect online subscribers.NENevada: Nevada has no general automatic renewal law. Gym and dance studio contracts cannot auto renew, and federal rules still protect online subscribers.NVNew Hampshire: New Hampshire has no general automatic renewal law. Gym renewals over one month need written acceptance, and federal rules still protect online subscribers.NHNew Jersey: New Jersey has no general automatic renewal law. Home and product service contracts of a year or more need a renewal notice 30 to 60 days before the cancel deadline, and federal rules still protect online subscribers.NJNew Mexico: New Mexico's rule covers service, maintenance and repair contracts. Sellers must mail a renewal notice 30 to 60 days ahead and accept cancellations by email or mail.NMNew York: New York requires consent, renewal and price change notices, and cancellation as easy as signing up. Price hikes need your consent or a refund window.NYNorth Carolina: North Carolina requires clear renewal and cancel terms and a written reminder 15 to 45 days before any renewal longer than 60 days.NCNorth Dakota: North Dakota requires consent before charging, a simple way to cancel and a written reminder 30 to 60 days before renewals longer than 6 months. Business buyers are covered too.NDOhio: Ohio has no general automatic renewal law. Federal rules such as ROSCA still protect online subscribers.OHOklahoma: Oklahoma has no general automatic renewal law. A proposed Fair Renewal Act stalled in 2026, and federal rules still protect online subscribers.OKOregon: Oregon requires clear renewal terms, consent before charging and an easy way to cancel. It does not set a renewal reminder deadline.ORPennsylvania: Pennsylvania has no general automatic renewal law. Gym renewals need your active acceptance, and federal rules still protect online subscribers.PARhode Island: Rhode Island has no general automatic renewal law. Federal rules such as ROSCA still protect online subscribers.RISouth Carolina: South Carolina's law covers consumer service contracts. A renewal is unenforceable unless you got notice 30 to 60 days ahead stating the renewal price.SCSouth Dakota: South Dakota has no general automatic renewal law. Telecom contracts need a renewal notice, and federal rules still protect online subscribers.SDTennessee: Tennessee requires consent before charging, notice before renewals more than 60 days out and online cancellation if you signed up online.TNTexas: Texas has no general automatic renewal law. A 2025 bill died in committee, and federal rules still protect online subscribers.TXUtah: Since 2025, Utah requires a reminder 30 to 60 days before a paid plan renews and a warning at least 3 days before a free trial ends.UTVermont: Vermont makes you opt in separately to auto renewal on contracts of a year or more, sends a reminder 30 to 60 days ahead and allows online cancellation.VTVirginia: Virginia requires consent, renewal and trial reminders, and cancellation as easy as signing up through any channel you used, with free phone cancellation. It also protects small businesses buying for business purposes.VAWashington: Washington has no general automatic renewal law. Federal rules such as ROSCA still protect online subscribers.WAWest Virginia: West Virginia has no general automatic renewal law. A 2025 bill stalled in committee, and federal rules still protect online subscribers.WVWisconsin: Wisconsin has no consumer automatic renewal law. Its renewal rule protects business customers only, and federal rules still protect online subscribers.WIWyoming: Wyoming has no general automatic renewal law. Federal rules such as ROSCA still protect online subscribers.WY
  • Covers consumers and businesses3
  • Covers consumer contracts20
  • Only certain contracts4
  • No general law24
  • Not yet confirmed0
Which states regulate subscriptions and contracts that renew automatically.

Automatic renewal laws in every state

StateWho it coversKey requirementsReminderLaw
AlabamaNo general lawNoneNot requiredNone. No general automatic renewal statute found
AlaskaNo general lawNoneNot requiredNone. No general automatic renewal statute found
ArizonaNo general lawNoneNot requiredNone. No general automatic renewal statute found
ArkansasConsumer contractsclear and conspicuous offer terms before purchase; express consent before charging; retainable acknowledgment with cancellation instructions; for an initial term of 1 year or more: renewal notice 15 to 45 days before renewal; for trials or promo prices longer than 31 days: notice 3 to 21 days before the trial or promo ends; annual reminder for annual auto renewal or continuous service agreements; notice 7 to 30 days before a fee change, plus notice of any material change; toll-free number, email, postal address or other easy cancel method; voicemail cancellations handled within 1 business day; online cancellation (direct link or button, or a pre-formatted email) if signed up online; keep proof of consent for 3 years, or 1 year after termination if longer15 days beforeArk. Code Ann. § 4-86-112 (Act 652 of 2025, HB1820)
CaliforniaConsumer contractsclear disclosure of renewal terms next to the consent request; affirmative and express consent; retainable acknowledgment; keep proof of consent 3 years; trial over 31 days: notice 3 to 21 days before it ends; terms of 1 year or more: notice 15 to 45 days before renewal; price change notice 7 to 30 days ahead; annual reminder; online click to cancel link or button; cancel in the same medium used to sign up; phone voicemail cancellations handled within 1 business day15 days beforeCal. Bus. & Prof. Code §§ 17600-17606 (amended by AB 2863, Stats. 2024, ch. 515)
ColoradoConsumer and business contractsclear disclosure of renewal terms; renewal terms capped at 1 year unless express written consent; notice 25 to 40 days before a renewal that extends the contract past each 12 months; free trial cancellation before payment; one step online cancellation if signed up online; save offers only with a visible cancel link25 days beforeColo. Rev. Stat. § 6-1-732 (amended by SB25-145, 2025 Sess. Laws ch. 368)
ConnecticutConsumer contractsclear disclosure of renewal terms, recurring charges, renewal length and how to cancel; affirmative consent before charging; clear notice of how to cancel for trials and intro rates (42-126b(b)); written notice 15 to 60 days before renewal for written contracts over 180 days that renew for more than 31 days (42-126b(c)); trials or promos offered online or by phone: notice at least 21 days after start and no earlier than 3 days before end for periods of 32 days or more; 15 to 45 days before end for periods of 1 year or more; annual reminder for every auto renewing or continuous service agreement (from July 1, 2026); cancel by a direct link or button, a reply email, or (from July 1, 2026) a phone number shown on the website; online cancellation if signed up online; voicemail cancellation requests handled within 1 business day15 days beforeConn. Gen. Stat. § 42-158ff (consumer agreements entered or amended on or after Oct. 1, 2023; amended by Public Act 25-44 § 7, SB 3, eff. July 1, 2026); also § 42-126b(b)-(c) (trial/intro-rate notice and 15 to 60 day renewal notice for written contracts over 180 days)
DelawareConsumer contractsclear disclosure of renewal terms at signing; notice 30 to 60 days before the cancellation deadline when renewal extends the contract past 12 months; online cancellation if signed up online; cost effective, timely and easy cancellation30 days before6 Del. C. §§ 2731-2737
District of ColumbiaConsumer contractsclear disclosure of renewal terms and how to cancel; terms of 12 months or more: notice 30 to 60 days before the cancellation deadline, before the first renewal and yearly after; free trial of 1 month or more: notice 15 to 30 days before it ends; affirmative consent before charging after a free trial; email notices must include a cancel link30 days beforeD.C. Code §§ 28A-201 to 28A-221 (D.C. Law 22-235; D.C. Law 23-16)
FloridaCertain contract types onlyclear disclosure of the renewal clause; notice 30 to 60 days before the cancellation deadline for contracts of 12 months or more; cancel in the same manner used to accept30 days beforeFla. Stat. § 501.165
GeorgiaConsumer contractsonline subscriptions: clear offer terms before purchase and consent before charging; online subscriptions: retainable acknowledgment of offer terms; online subscriptions: notice before or within 3 days after each charge, unless the consumer opts out; online cancellation (link or pre-formatted email) if signed up online; toll-free number, email, postal address or other easy cancel method; notice of material changes; service contracts: clear disclosure of the renewal clause; service contracts of 12 months or more: notice 30 to 60 days before the cancellation deadline; service contract renewals over 24 months need the consumer's written acknowledgment and agreement30 days beforeO.C.G.A. §§ 10-1-439.5 to 10-1-439.13 (Georgia Online Automatic Renewal Transparency Act, HB 528 of 2023) and O.C.G.A. §§ 13-12-1 to 13-12-5 (service contracts)
HawaiiConsumer contractsclear disclosure of renewal clause and how to cancel; notice 30 to 60 days before the cancellation deadline for terms of 12 months or more; affirmative consent before charging; retainable acknowledgment; toll free number, email, postal address or other easy cancel method; notice of material changes30 days beforeHaw. Rev. Stat. § 481-9.5
IdahoConsumer contractsclear disclosure of renewal terms and cancel methods; free online cancellation mechanism (may be a termination email); toll free number if a phone option is offered; plans of 12 months or more: notice 30 to 60 days before the goods or services are delivered or provided for the renewal term30 days beforeIdaho Code § 48-603G
IllinoisConsumer contractsclear disclosure of renewal terms; consent before charging; retainable acknowledgment; trials or promotions of 15 days or more: notice at least 3 days before the cancel deadline; terms of 12 months or more: written notice 30 to 60 days before the cancel deadline; cancel exclusively online if signed up online30 days before815 ILCS 601/1 to 601/20 (Automatic Contract Renewal Act)
IndianaNo general lawNoneNot requiredNone. No general automatic renewal statute found
IowaNo general lawNoneNot requiredNone. No general automatic renewal statute found (narrow rule: Iowa Code § 552.8)
KansasNo general lawNoneNot requiredNone. No general automatic renewal statute found
KentuckyConsumer contractsclear and conspicuous automatic renewal or continuous service terms before purchase, in visual or temporal proximity to the consent request (and the post-trial price for free gifts or trials); affirmative consent before charging the card or account; acknowledgment the consumer can keep, with terms, cancellation policy and how to cancel; toll-free number, email, postal address or other easy cancellation mechanism; consumers who signed up online must be able to cancel exclusively online; clear notice of material changes, with cancellation informationNot requiredKRS 365.400 to 365.408 (2023 Ky. Acts ch. 81, SB 30)
LouisianaConsumer contractsclear disclosure of the renewal clause; clear disclosure of how to cancelNot requiredLa. R.S. 9:2716 (Act 906 of 2010, in force); Click-to-Cancel Act, La. R.S. 51:3301 to 3305 (Act 830 of 2026, HB750, effective January 1, 2027)
MaineCertain contract types onlyclear disclosure of all material renewal terms, price and refund policy; express consent such as a checkbox before enrollment; cancel by the same method used to sign up; toll free number if a phone option is offered; plans of 12 months or more: notice no more than 30 days before renewal; triple refund for unauthorized chargesNot required10 M.R.S. §§ 1210-C, 1210-D (amended by P.L. 2025, c. 376)
MarylandConsumer contractsclear disclosure of renewal terms and price next to the consent request; easy to find disclosure of cancel methods; consent before automatic card charges; trials over 14 days: notice 3 to 21 days before renewal; initial term of 1 year or more: notice 15 to 45 days before renewal; cancel as easily as you signed up, in the same medium; online cancel link or button, or a ready made cancel email; toll free phone cancellation15 days beforeMd. Code Ann., Com. Law § 14-1328 (2025 Md. Laws ch. 204, SB 49; ch. 205, HB 107)
MassachusettsConsumer contractsclear written disclosure before purchase of charges, recurring nature and how to cancel; trial offers must show the cancel-by date and the date charges start; simple cancellation at least as easy as sign-up, through the same medium (same website or app for online sign-ups); terms over 31 days: written notice 5 to 30 days before the cancel-by date; terms of 31 days or less: that notice, or a disclosure of each auto-renewal charge with cancel instructions at least as often as billed5 days before940 CMR 38.00 (Attorney General regulation under M.G.L. c. 93A, § 2)
MichiganNo general lawNoneNot requiredNone. No general automatic renewal statute found
MinnesotaConsumer contractsclear disclosure of renewal terms before acceptance; retainable confirmation; notice before material changes; trials over 30 days: notice 5 to 30 days before the trial ends; yearly written notice for ongoing subscriptions; website cancellation option where accounts are managed online; no save offers unless the consumer agrees to hear themNot requiredMinn. Stat. §§ 325G.56 to 325G.63 (2024 Minn. Laws ch. 114, art. 3)
MississippiNo general lawNoneNot requiredNone. No general automatic renewal statute found
MissouriNo general lawNoneNot requiredNone. No general automatic renewal statute found (narrow rule: Mo. Rev. Stat. § 407.675)
MontanaNo general lawNoneNot requiredNone. No general automatic renewal statute found (narrow rule: Mont. Admin. R. 38.5.6004)
NebraskaNo general lawNoneNot requiredNone. No general automatic renewal statute found
NevadaNo general lawNoneNot requiredNone. No general automatic renewal statute found (narrow rule: NRS 598.948)
New HampshireNo general lawNoneNot requiredNone. No general automatic renewal statute found (narrow rule: RSA 358-I:5)
New JerseyNo general lawNoneNot requiredNone. No general automatic renewal statute found (narrow rule: N.J.S.A. 56:12-95.5, service contracts)
New MexicoCertain contract types onlyrenewal clause in clear 10 point type with cancel procedure; notice by certified mail or first page of a monthly statement 30 to 60 days before the cancel deadline; at least 30 days to respond after the notice; honor cancellations sent by fax, mail or email; end the contract at term end with no penalty30 days beforeN.M. Admin. Code 12.2.11 (Attorney General rule under the Unfair Practices Act, NMSA 1978 § 57-12-1 et seq.)
New YorkConsumer contractsclear disclosure of material terms before asking for consent or billing details; affirmative consent before the first charge; retainable acknowledgment; terms of 1 year or more renewing for 6 months or more: notice 15 to 45 days before the cancel deadline; trials over 1 month: notice 3 to 21 days before the cancel deadline; material change notice 5 business days to 30 days ahead; price increase needs consent or a 14 day cancel window with prorated refund; cancel through every medium used to sign up, as easy as signing up15 days beforeN.Y. Gen. Bus. Law §§ 527, 527-a (amended effective Nov. 5, 2025); N.Y. Gen. Oblig. Law § 5-903
North CarolinaConsumer contractsclear disclosure of the renewal clause; clear disclosure of how to cancel; renewals over 60 days: written notice 15 to 45 days before the renewal date; changed terms shown in 12 point bold type15 days beforeN.C. Gen. Stat. § 75-41
North DakotaConsumer and business contractsclear disclosure of renewal terms near the offer; affirmative consent before charging; retainable acknowledgment; simple cancellation procedure; renewals over 6 months: written notice 30 to 60 days before the renewal date or the end of the cancellation period, by first class mail, email, or text or app if the customer agreed; notice of material changes; renewal periods capped at 12 months30 days beforeN.D. Cent. Code §§ 51-37-01 to 51-37-06
OhioNo general lawNoneNot requiredNone. No general automatic renewal statute found
OklahomaNo general lawNoneNot requiredNone. No general automatic renewal statute found
OregonConsumer contractsclear disclosure of renewal terms next to the consent request; affirmative consent before charging; retainable acknowledgment; toll free number, email, postal address or other easy cancel method; notice of material changesNot requiredOr. Rev. Stat. §§ 646A.292 to 646A.295
PennsylvaniaNo general lawNoneNot requiredNone. No general automatic renewal statute found (narrow rule: 73 P.S. § 2164)
Rhode IslandNo general lawNoneNot requiredNone. No general automatic renewal statute found
South CarolinaCertain contract types onlywritten or electronic notice 30 to 60 days before the cancellation deadline; notice must state the renewal amount; notice must explain how to cancel30 days beforeS.C. Code Ann. §§ 37-6-120, 38-78-55 (Act No. 159 of 2024, S.434); § 44-79-60 (fitness contracts)
South DakotaNo general lawNoneNot requiredNone. No general automatic renewal statute found (narrow rule: SDCL 49-31-116)
TennesseeConsumer contractsclear disclosure of renewal terms next to the consent request; affirmative consent before charging; retainable acknowledgment; notice of when the charge will occur if renewal is over 60 days after consent; cancel exclusively online if signed up online; notice of material changesNot requiredTenn. Code Ann. § 47-18-133
TexasNo general lawNoneNot requiredNone. No general automatic renewal statute found
UtahConsumer contractsnotice 30 to 60 days before renewal stating date, total cost and cancel options; trial offers: notice at least 3 days before the trial ends30 days beforeUtah Code §§ 13-70-101 to 13-70-201 (Automatic Renewal Contracts Act); Utah Code §§ 15-10-201, 15-10-202 (service contracts)
VermontConsumer contractsrenewal terms in bold, plain language; separate opt in to automatic renewal; notice 30 to 60 days before renewal or the cancel deadline; toll free number, email, postal address or other easy cancel method; cancel exclusively online if signed up online30 days before9 V.S.A. § 2454a
VirginiaConsumer and business contractsclear disclosure of renewal terms next to the consent request; affirmative consent before charging; retainable acknowledgment; cancel as easily as you signed up, through every sign up channel; online or phone option for in person sign ups; free phone cancellation during business hours; notice 30 to 60 days before renewals that extend the term over 12 months; notice before trials over 30 days end; notice of material changes30 days beforeVa. Code Ann. §§ 59.1-207.45 to 59.1-207.49
WashingtonNo general lawNoneNot requiredNone. No general automatic renewal statute found
West VirginiaNo general lawNoneNot requiredNone. No general automatic renewal statute found
WisconsinNo general lawNoneNot requiredNone for consumers. Wis. Stat. § 134.49 covers business contracts only
WyomingNo general lawNoneNot requiredNone. No general automatic renewal statute found

How do automatic renewal laws work?

Most state laws follow the same basic pattern. Before you pay, the seller has to show the renewal terms clearly and close to the button you click. Then it needs your affirmative consent before charging, and it has to send you an acknowledgment you can keep that says how to cancel.

The stronger laws add two more pieces: a reminder before the plan renews, and a cancellation method that is as easy as signing up. California is the usual benchmark. Under Cal. Bus. & Prof. Code §§ 17600 to 17606, a plan of one year or more needs a notice 15 to 45 days before it renews, price changes need notice 7 to 30 days ahead, and online sign ups need a click to cancel link or button.

New York goes further on price. A price increase needs your consent, or the seller has to give you a 14 day window to cancel with a prorated refund. Minnesota limits the save offers a company can push at you when you try to leave, unless you agree to hear them.

A newer wave of laws has filled in gaps. Arkansas added its law in 2025, Maryland's took effect on June 1, 2026, and Connecticut added a yearly reminder for every auto renewing agreement from July 1, 2026. Massachusetts now regulates renewals through an attorney general rule that took effect in September 2025. If you checked your state's rules a few years ago, they may have changed since.

Which states require a reminder before your plan renews?

21 jurisdictions, counting DC, set a fixed reminder window. The windows differ more than you might expect, and they usually apply only to longer plans, often one year or more.

If your state has a law but no fixed window, you are not out of luck. Oregon and Kentucky focus on consent, clear terms and easy cancellation instead. Minnesota requires a yearly written notice for ongoing subscriptions. Tennessee requires notice of when you will be charged if the renewal falls more than 60 days after you agreed.

  • Colorado: 25 to 40 days before a renewal that extends the contract past each 12 months.
  • Delaware and DC: 30 to 60 days before the cancellation deadline for longer contracts.
  • California, Maryland and Arkansas: 15 to 45 days before a plan of one year or more renews.
  • North Carolina: written notice 15 to 45 days before any renewal longer than 60 days.
  • Massachusetts: written notice 5 to 30 days before the cancel-by date for terms over 31 days.
  • Utah: 30 to 60 days before a paid plan renews, plus a warning at least 3 days before a trial ends.

Do auto-renewal laws cover business contracts?

Usually not. Most of these laws protect consumers, so a SaaS contract your company signs often falls outside them. Two states are clear exceptions. Colorado's law has covered business buyers since February 2026, after SB25-145. North Dakota's law is written broadly enough to reach business buyers, requires a written reminder 30 to 60 days before renewals longer than 6 months, and caps renewal periods at 12 months.

Wisconsin is the odd one out. We count it as having no consumer law, but Wis. Stat. § 134.49 requires disclosure and a 15 to 60 day renewal notice for business equipment leases and business service contracts.

A few states only regulate certain kinds of contracts. Florida's law (Fla. Stat. § 501.165), New Mexico's rule and South Carolina's 2024 law focus on service contracts. Maine's covers online subscriptions such as apps, streaming, software and games, along with gym memberships. If you buy software for a business anywhere else, your protection mostly comes from the contract itself, so read the renewal and notice clauses before you sign.

What federal law applies to subscriptions?

The FTC finalized a broad click to cancel rule in 2024, but the Eighth Circuit vacated it in July 2025 (Custom Communications, Inc. v. FTC). On February 12, 2026, the FTC restored the older Negative Option Rule text at 16 C.F.R. Part 425, which covers prenotification plans like book or record clubs. It published an advance notice of proposed rulemaking on March 13, 2026. As of October 11, 2026, no new federal rule is in force.

That leaves the Restore Online Shoppers' Confidence Act (ROSCA, 15 U.S.C. 8401 to 8405) as the main federal law for online subscriptions. It applies in every state, including the 24 with no general auto-renewal statute. ROSCA requires sellers to disclose material terms before taking billing information, get your express informed consent, and give you a simple way to stop recurring charges.

How to cancel an automatic renewal, step by step

  • Find your acknowledgment email or account page. Many states require sellers to send one, and it should list the cancellation method.
  • Note how you signed up. 18 states require an online way to cancel in that case, such as a link, a button or a ready made cancel email.
  • Cancel through the same channel you used to join. California, Maryland, New York and Massachusetts all tie cancellation to the sign up medium.
  • Ignore save offers if you are set on leaving. In Colorado, a save offer is allowed only if a cancel link stays visible.
  • Save proof: a screenshot of the confirmation page, the email, or the date and time of any call. If you leave a voicemail in California, Arkansas or Connecticut, the seller must act on it within one business day.
  • Watch your next statement. If a charge still appears, use the steps in the next section.

What can you do if a company breaks the rule?

Start with a written cancellation request and a refund demand that cites your state's law by name. Point to the specific notice or cancellation step the seller skipped.

Some states build in real penalties. In South Carolina, a renewal of a covered service contract is unenforceable unless you got notice 30 to 60 days ahead stating the renewal price. Maine gives you a triple refund for unauthorized charges. Hawaii treats refusing to cancel as an unfair practice, and Massachusetts and New Mexico enforce their rules through state unfair practices laws.

If the seller will not budge, file a complaint with your state attorney general and ask your card issuer about disputing the charge. Keep every email and screenshot. A clean timeline makes both routes faster.

Gaps, narrow rules and laws on the way

No general law does not always mean no rules. Iowa and Nevada bar automatic renewal clauses in gym contracts, and Nevada extends that to dance studios. Missouri bars them in buyers' club contracts. South Dakota requires renewal notice for longer telecom contracts, and New Jersey requires a 30 to 60 day notice for home and product service contracts of a year or more.

Louisiana currently asks only for clear renewal and cancellation terms. Its Click-to-Cancel Act takes effect on January 1, 2027, adding consent, renewal notices and an easy cancel method, though sellers with fewer than 50 employees or under $5 million in revenue are exempt. Elsewhere, bills stalled. Texas HB 2859 stalled in committee in 2025, and Oklahoma's Fair Renewal Act never reached final passage before the 2026 session ended.

Frequently asked questions

Is it legal for a company to auto renew my subscription?

Yes, in most contracts. A few narrow rules ban it, such as gym contracts in Iowa and Nevada. Otherwise states regulate how renewal happens. Where one of the 27 laws applies, sellers generally must disclose renewal terms clearly and get your consent before charging, and many must send a reminder and let you cancel easily. Online, ROSCA adds federal disclosure and consent rules in every state.

Did the FTC click to cancel rule go into effect?

No. The Eighth Circuit vacated the FTC's 2024 click to cancel amendments in July 2025. In February 2026 the FTC restored the older Negative Option Rule, which covers prenotification plans, and in March 2026 it began a new rulemaking. As of October 11, 2026, no new federal rule is in force.

Do I have to get a reminder before my subscription renews?

It depends on your state and your plan. 21 jurisdictions, including DC, require a reminder before renewal, usually for plans of a year or more. California requires notice 15 to 45 days ahead for those plans, while Delaware and DC require 30 to 60 days before the cancellation deadline. Monthly plans often fall outside the reminder rules.

Can a company make me call to cancel if I signed up online?

In 18 states, generally no. Those states require an online cancellation option when you signed up online, such as a link, a button or a pre-formatted email. Kentucky, Illinois, Tennessee and Vermont say online sign ups must be able to cancel exclusively online. Connecticut also bars forcing in person or mail cancellation.

Which state has the strictest auto-renewal law?

Of the laws we reviewed, California's is the strictest. It requires express consent, a keepable acknowledgment, renewal and price change notices, an annual reminder and a click to cancel option online. Save offers must show a cancel button too. New York is close behind, with consent or a refund window required before any price increase.

Do automatic renewal laws apply to B2B software contracts?

Mostly not, since most laws protect consumers only. Colorado (since February 2026) covers business buyers, and North Dakota's law is written broadly enough to reach them. Wisconsin requires a 15 to 60 day renewal notice for business equipment leases and business service contracts. Elsewhere, a business buyer's protection usually rests on the notice and termination clauses in the contract.

What if my state has no automatic renewal law?

You still have options. ROSCA applies to online subscriptions nationwide and requires clear disclosure, express consent and a simple way to stop charges. Some states without a general law regulate specific contracts, such as gyms in Iowa, Nevada and New Hampshire, telecom in South Dakota, or service contracts in New Jersey.

Can I get a refund after an automatic renewal charge?

Sometimes. If the seller skipped a required reminder or consent step, ask for a refund in writing and name your state's law. In South Carolina, a covered service contract renewal without proper notice is unenforceable, and Maine provides a triple refund for unauthorized charges. If the seller refuses, contact your attorney general or card issuer.

Check the renewal clause before it renews

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Automatic Renewal Laws by State in 2026
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How we built this data

We built this dataset from the law in each state, then had a second, independent review re-check every entry against primary sources and correct anything that did not match. Each row links to its source.

Of the 51 entries, 33 were confirmed directly against the statute itself or the state agency that enforces it. 18 rest on several secondary sources that agree, usually because the official site could not be reached or because there is no statute to read where the answer is that no law exists. Data verified on October 11, 2026.

Sources

Cite this data

ClauseAudit, “Automatic Renewal Laws by State in 2026”, updated October 11, 2026, https://clauseaudit.com/saas/auto-renewal-laws-by-state. Free to reuse with a link back (CC BY 4.0).

This page summarises the law as verified on October 11, 2026. Laws change, cities and counties can add their own rules, and the details of your situation matter. It is general information, not legal advice.