{"id":640,"date":"2024-11-20T08:30:00","date_gmt":"2024-11-20T08:30:00","guid":{"rendered":"https:\/\/www.insurancestudy.com\/blog\/?p=640"},"modified":"2025-04-28T20:19:03","modified_gmt":"2025-04-28T20:19:03","slug":"ftc-shuts-down-complicated-cancellations","status":"publish","type":"post","link":"https:\/\/www.insurancestudy.com\/blog\/2024\/ftc-shuts-down-complicated-cancellations\/","title":{"rendered":"FTC Shuts Down Complicated Cancellations"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">The Federal Trade Commission (FTC) is putting an end to complicated cancellation processes for goods and services after receiving more than 16,000 public comments demanding change.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Too many businesses make it easy to sign up but hard to cancel, forcing consumers to navigate endless web pages, wait on hold, live chat with agents, or even email signed documents just to stop a service. Consumers made it clear: canceling should be just as simple as signing up.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Under the new rule \u2014 which takes effect 180 days after its publication in the Federal Register \u2014 the FTC is cracking down on companies that:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Misrepresent material facts while marketing goods or services with a negative option feature;<\/li>\n\n\n\n<li>Fail to clearly disclose key terms before collecting billing information;<\/li>\n\n\n\n<li>Charge consumers without first obtaining their express, informed consent; and<\/li>\n\n\n\n<li>Make cancellation unnecessarily difficult or delay stopping charges.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This final rule builds on the FTC\u2019s ongoing review of the 1973 Negative Option Rule, strengthening protections against unfair and deceptive subscription practices that have exploded in today\u2019s digital economy.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>At InsuranceStudy, we make it easy.<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><br>Our unlimited CE membership offers convenience, value \u2014 and a truly simple cancellation process. If you ever want to end your membership, just click a button on your profile page. Prefer to talk to a real person? Our friendly, home-grown insurance experts are ready to help. Call us at 866.339.3900 or email <a class=\"\">support@insurancestudy.com<\/a>, and you\u2019ll reach a real team member (no bots!) from 9 AM to 5 PM CT, Monday through Friday, excluding federal holidays.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We\u2019re here to make continuing education convenient, affordable, compliant and always in your control.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Additional Information:<\/strong><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.ftc.gov\/system\/files\/ftc_gov\/pdf\/NegOptions-1page-Oct2024-v2.pdf\">The \u201cClick to Cancel\u201d Rule Fact Sheet<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.ftc.gov\/about-ftc\/bureaus-offices\/bureau-consumer-protection\">Bureau of Consumer Protection<\/a><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"186\" src=\"https:\/\/www.insurancestudy.com\/blog\/wp-content\/uploads\/2024\/11\/logo_huge_color_trans-1024x186.png\" alt=\"\" class=\"wp-image-645\" srcset=\"https:\/\/www.insurancestudy.com\/blog\/wp-content\/uploads\/2024\/11\/logo_huge_color_trans-1024x186.png 1024w, https:\/\/www.insurancestudy.com\/blog\/wp-content\/uploads\/2024\/11\/logo_huge_color_trans-300x55.png 300w, https:\/\/www.insurancestudy.com\/blog\/wp-content\/uploads\/2024\/11\/logo_huge_color_trans-150x27.png 150w, https:\/\/www.insurancestudy.com\/blog\/wp-content\/uploads\/2024\/11\/logo_huge_color_trans-768x140.png 768w, https:\/\/www.insurancestudy.com\/blog\/wp-content\/uploads\/2024\/11\/logo_huge_color_trans-1536x280.png 1536w, https:\/\/www.insurancestudy.com\/blog\/wp-content\/uploads\/2024\/11\/logo_huge_color_trans-2048x373.png 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/www.insurancestudy.com\">InsuranceStudy<\/a> has been providing continuing education for Insurance Providers and Certified Financial Planners for more than 20 years. We are dedicated to bringing you convenient, affordable and compliant courses. Follow us on <a href=\"https:\/\/www.facebook.com\/InsuranceStudy\">Facebook<\/a>, <a href=\"https:\/\/www.instagram.com\/insurancestudy_com\/\">Instagram<\/a> or <a href=\"https:\/\/www.linkedin.com\/company\/insurancestudy.com\">LinkedIn<\/a> for more updates.<ins><\/ins><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>The Federal Trade Commission (FTC) is putting an end to complicated cancellation processes for goods and services after receiving more than 16,000 public comments demanding change. Too many businesses make it easy to sign up but hard to cancel, forcing&#8230;<span class=\"read-more\"><a href=\"https:\/\/www.insurancestudy.com\/blog\/2024\/ftc-shuts-down-complicated-cancellations\/\">Continue Reading &rarr;<\/a><\/span><\/p>\n","protected":false},"author":4,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[18],"tags":[98,100,99,101,32,97,64,102],"class_list":["post-640","post","type-post","status-publish","format-standard","hentry","category-insurance-hot-topics","tag-cancellation","tag-click-to-cancel","tag-consumer","tag-consumer-protection","tag-continuing-education","tag-ftc","tag-insurance","tag-insurance-expert"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.0 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>FTC Shuts Down Complicated Cancellations - InsuranceStudy<\/title>\n<meta name=\"description\" content=\"The Federal Trade Commission is putting an end to complicated cancellation processes after more than 16,000 public comments demanded change.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.insurancestudy.com\/blog\/2024\/ftc-shuts-down-complicated-cancellations\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"FTC Shuts Down Complicated Cancellations - InsuranceStudy\" \/>\n<meta property=\"og:description\" content=\"The Federal Trade Commission is putting an end to complicated cancellation processes after more than 16,000 public comments demanded change.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.insurancestudy.com\/blog\/2024\/ftc-shuts-down-complicated-cancellations\/\" \/>\n<meta property=\"og:site_name\" content=\"CE Insights by InsuranceStudy\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/InsuranceStudy\" \/>\n<meta property=\"article:published_time\" content=\"2024-11-20T08:30:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2025-04-28T20:19:03+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.insurancestudy.com\/blog\/wp-content\/uploads\/2024\/11\/logo_huge_color_trans.png\" \/>\n\t<meta property=\"og:image:width\" content=\"5760\" \/>\n\t<meta property=\"og:image:height\" content=\"1049\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Mary Faybk\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@InsuranceStudy\" \/>\n<meta name=\"twitter:site\" content=\"@InsuranceStudy\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Mary Faybk\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.insurancestudy.com\\\/blog\\\/2024\\\/ftc-shuts-down-complicated-cancellations\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.insurancestudy.com\\\/blog\\\/2024\\\/ftc-shuts-down-complicated-cancellations\\\/\"},\"author\":{\"name\":\"Mary Faybk\",\"@id\":\"https:\\\/\\\/www.insurancestudy.com\\\/blog\\\/#\\\/schema\\\/person\\\/8ce03a55242201c2972a1a9d3cd450cd\"},\"headline\":\"FTC Shuts Down Complicated Cancellations\",\"datePublished\":\"2024-11-20T08:30:00+00:00\",\"dateModified\":\"2025-04-28T20:19:03+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.insurancestudy.com\\\/blog\\\/2024\\\/ftc-shuts-down-complicated-cancellations\\\/\"},\"wordCount\":321,\"publisher\":{\"@id\":\"https:\\\/\\\/www.insurancestudy.com\\\/blog\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.insurancestudy.com\\\/blog\\\/2024\\\/ftc-shuts-down-complicated-cancellations\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/www.insurancestudy.com\\\/blog\\\/wp-content\\\/uploads\\\/2024\\\/11\\\/logo_huge_color_trans-1024x186.png\",\"keywords\":[\"Cancellation\",\"click to cancel\",\"consumer\",\"consumer protection\",\"Continuing Education\",\"FTC\",\"insurance\",\"insurance expert\"],\"articleSection\":[\"Insurance Hot Topics\"],\"inLanguage\":\"en-US\"},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.insurancestudy.com\\\/blog\\\/2024\\\/ftc-shuts-down-complicated-cancellations\\\/\",\"url\":\"https:\\\/\\\/www.insurancestudy.com\\\/blog\\\/2024\\\/ftc-shuts-down-complicated-cancellations\\\/\",\"name\":\"FTC Shuts Down Complicated Cancellations - 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