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Bipartisan House bill would make canceling as easy as signing up

By James R. Hood of ConsumerAffairs
January 13, 2026

Americans are losing hundreds of dollars a year on subscriptions they forget to cancel or cant easily escape.
A federal court ruling has stalled the FTCs click to cancel consumer protection rule.
A bipartisan House bill aims to make cancelling subscriptions as easy as signing up.


Forgotten subscriptions cost consumers billions

The average American household is losing significant money each year to subscriptions they no longer use or never intended to keep, even as federal regulators remain blocked from enforcing rules designed to curb the practice.

Multiple surveys show consumers routinely continue paying for streaming services, apps and digital memberships long after theyve stopped using them. An analysis cited by StudyFinds estimated the average U.S. household wastes about $127 annually on unused subscriptions, while a 2025 CNET survey suggested losses could reach $204 a year.

Younger consumers appear especially affected. According to CNET, Gen Z subscribers lose an average of $276 annually as they juggle multiple platforms and trial offers, according to a report in The Guardian.

A $5, $15, or $50 monthly subscription may not feel like much but over a year, that can be $600 or more, Rep. Mark Takano, a California Democrat, said. With two or three subscriptions, some people can easily lose over $1,000 a year.

Bipartisan bill targets cancellation hurdles

With regulatory action stalled, Takano and Rep. Mark Amodei, a Nevada Republican, are reintroducing the Unsubscribe Act today. The legislation would prohibit companies from using deliberately complex cancellation processes and require that cancelling a subscription be no more difficult than signing up.

Takano has introduced versions of the bill since 2017, but this marks the first time it has drawn a Republican co-sponsor.

Cancelling a subscription should be just as easy as signing up for one, Takano told the Guardian. These marketing techniques rely on the fact that people are busy that theyll forget they entered a trial period.

Under the proposal, companies would be required to obtain explicit consumer consent before charging customers after a free or discounted trial ends. The bill would also ban automatic enrollment in contracts and require sellers to provide periodic notices reminding customers of ongoing charges and how to cancel.

FTC rule remains blocked by court decision

The renewed legislative push comes as the Federal Trade Commission quietly seeks public input on restoring its click to cancel rule, which was overturned in July by the Eighth Circuit Court of Appeals.

The court ruled that the FTC failed to produce a required economic impact analysis, a procedural flaw that invalidated the rule. The judges did not rule on the substance of the consumer protections themselves.

Consumer advocates argue the decision left millions of Americans exposed to manipulative subscription practices. Takano said the complexity of cancellation systems is often intentional.

Companies can predict that a certain percentage of consumers will overlook the trial ending, and they profit from that, he said. Consumers often discover that cancelling requires many more steps than signing up sometimes even mailing a physical letter.

Industry opposition and enforcement workarounds

The Unsubscribe Act has drawn endorsements from consumer advocacy groups including the Consumer Federation of America, Public Citizen and the National Consumer League. However, it faces opposition from major industry groups that field large teams of lobbyists to charm and cudgel Congress.

The Internet and Television Association, which represents large cable providers, has previously argued that the FTCs click-to-cancel rule could burden, confuse, and harm consumers. The U.S. Chamber of Commerce and trade groups representing telecom, security and online advertising companies challenged the original FTC rule in court, arguing regulators exceeded their authority.

Despite the court setback, the FTC has continued pursuing subscription-related enforcement actions under other laws. In September, the agency secured a $7.5 million settlement with an education technology company over deceptive cancellation practices, citing the Restore Online Shoppers Confidence Act.

Renewed pressure on regulators

Consumer groups formally petitioned the FTC in November to reopen the click-to-cancel rulemaking process, arguing the courts decision addressed only procedural issues. The agency published the petition in the Federal Register last month and accepted public comments through January 2.

The FTCs rule was overturned on a technicality, Takano said. This bill makes the law clear to the courts and the business community: companies have to play fair.


Heres a cleanWhat to do consumer sidebaryou can drop alongside the story. Its written to stand alone and uses sentence-case heads.


What to do if youre stuck paying for unwanted subscriptions

Audit your subscriptions regularly
Review bank and credit card statements every few months for recurring charges. Look for small monthly fees that can be easy to miss but add up over time.

Cancel directly through your account when possible
Many subscriptions can be canceled through online account settings, even if companies make the option hard to find. Search for cancel, manage subscription, or billing in account menus.

Check app store subscriptions
If you signed up through Apples App Store or Google Play, cancellations often must be handled through those platforms rather than the company itself.

Document cancellation attempts
Take screenshots, save confirmation emails, and keep records of dates and times if you encounter obstacles. Documentation can help if charges continue after you cancel.

Dispute improper charges
If a company continues billing after cancellation, contact your bank or credit card issuer to dispute the charge. Some issuers allow recurring charges to be blocked.

Watch free trials closely
Set calendar reminders for trial end dates. Many companies rely on consumers forgetting when a trial converts into a paid subscription.

File a complaint if necessary
Consumers can submit complaints to the Federal Trade Commission at reportfraud.ftc.gov if they believe a company is using deceptive subscription practices.





Posted: 2026-01-13 16:27:54

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More News From This Category
Consumer News: More coffee may be linked to better metabolic health
Wed, 02 Sep 2026 22:07:12 +0000

New research finds hormonal differences among coffee drinkers too

By Kristen Dalli of ConsumerAffairs
September 2, 2026
  • People who drank more coffee had lower levels of body fat and visceral fat despite having similar BMIs.

  • Higher coffee intake was associated with differences in metabolism and sex hormones, particularly among men.

  • The study found associations, not proof, that drinking coffee directly causes these changes.


For many people, coffee is simply part of the morning routine. But new research from the University of Oulu in Finland suggests that how much coffee people regularly drink may be linked to several markers of metabolic health and to differences in sex hormones.

The study found that people who reported drinking more coffee tended to have less total body fat and visceral fat, along with more skeletal muscle mass, even though their body mass index (BMI) was similar to that of people who drank less coffee. Higher coffee consumption was also associated with lower levels of certain branched-chain amino acids, which have previously been linked to insulin resistance and type 2 diabetes when chronically elevated.

"Coffee is consumed by millions of people every day, yet we still know surprisingly little about how it relates to our metabolism and hormones, researcher Luca Verroest said in a news release. What stood out in our findings was a distinct hormonal signature that didn't disappear even after we took into account BMI and lifestyle factors, with several of these associations differing between men and women.

How researchers studied coffee drinkers

Researchers analyzed data from 2,264 people who were part of the Northern Finland Birth Cohort 1966. All of the participants were 46 years old when the data was collected in 2012, and 47% were men.

Participants reported how many cups of coffee they typically drank each day. Researchers grouped them into non-coffee consumers, people drinking one to two cups daily, moderate coffee consumers drinking three to four cups, and high coffee consumers drinking five or more cups per day.

The researchers then compared coffee consumption with measurements including body composition, blood glucose and insulin, cholesterol, metabolites, and sex hormones. They also adjusted their analyses for factors including BMI, education, smoking, alcohol consumption, and physical activity.

What the findings could mean for coffee drinkers

The researchers found some notable differences between people who drank more and less coffee.

In men, higher coffee intake was associated with a more favorable glucose-insulin profile, as well as higher levels of total and bioavailable testosterone and sex hormone-binding globulin (SHBG). At the same time, free testosterone and the free androgen index were somewhat lower.

Women showed fewer hormonal associations, although higher coffee consumption was linked with higher SHBG and lower measures of free androgens. The researchers also found that higher coffee consumption was associated with lower levels of branched-chain amino acids in both men and women.

Theres an important catch, though: This was a cross-sectional observational study, meaning researchers looked at existing patterns rather than assigning people to drink a certain amount of coffee. So the findings cannot establish that coffee itself caused the differences.

The researchers say future studies will need to determine whether coffee drives these changes and which compounds might be responsible.

Read More ...


Consumer News: Think you should always finish your antibiotics? New research says it’s complicated
Wed, 02 Sep 2026 22:07:12 +0000

Many Americans still believe longer antibiotic courses are safer, even as medical guidance continues to evolve

By Kristen Dalli of ConsumerAffairs
September 2, 2026
  • Nearly nine in 10 Americans surveyed said they believe its important to always finish a prescribed antibiotic course.

  • About 60% preferred taking antibiotics for seven days or longer rather than a shorter three- to five-day course.

  • Researchers say patients should talk with their clinicians about the appropriate length of treatment rather than relying on the old always finish your antibiotics rule.


If youve ever been prescribed antibiotics, youve probably heard the same advice: Take the entire prescription, even if you start feeling better. Its a message that has been repeated for years by doctors and public health campaigns.

But medical thinking about antibiotic treatment has evolved. Research has found that shorter courses can be just as effective and sometimes safer than longer ones for many common bacterial infections. That means the old idea that everyone should always complete a long course of antibiotics doesnt apply to every situation.

A new study from researchers at the University of Utah and the University of Alabama at Birmingham looked at how well Americans understand those changing recommendations. The findings suggest that the older message remains deeply ingrained.

Historically, there was very strong guidance by major health organizations and clinicians that you must always finish the course, researcher Alistair Thorpe, PhD, said in a news release.

Now, were seeing a growing body of evidence saying that that is not always the case. And oftentimes, shorter durations of antibiotics are as effective and safe as longer alternatives.

How the study worked

Researchers surveyed 1,475 U.S. adults online between March and April 2024. Participants were at least 18 years old and were recruited through Dynata, which compensated them for taking part.

The survey asked participants which antibiotic treatment they would feel more comfortable taking for a bacterial respiratory infection, such as pneumonia: a shorter course of three to five days or a longer course of at least seven days.

Participants also answered questions about whether they had been told to always finish their antibiotics, whether they had been told they could stop taking them when they felt better, and how they viewed the safety and effectiveness of different treatment lengths.

Most people still favor longer courses

The majority of respondents 60.4% said they would prefer a course lasting at least seven days, compared with 39.5% who preferred three to five days. More than 60% also viewed longer courses as safer and more effective.

Meanwhile, 88.4% agreed that its important to always finish a prescribed antibiotic, even after they begin feeling better. About three-quarters of respondents who had received that advice said it came from a medical professional.

The researchers say these beliefs may be partly explained by how often Americans have heard the traditional message. But they emphasize that antibiotic recommendations can change as researchers learn more.

For consumers, the takeaway isnt to stop an antibiotic early on their own. Instead, the researchers recommend having a conversation with your clinician about the appropriate treatment length for your particular infection and when you should stop taking the medication.

Evidence is growing and guidance is evolving on antibiotic use, which is a normal process and a good sign that we are working to improve how we provide care, Dr. Thorpe said.

Our knowledge about how best to use antibiotics has changed, but it has changed because were learning more, and its important that we make sure we are communicating this well to the public.

Read More ...


Consumer News: Can GLP-1 drugs help people get off insulin?
Wed, 02 Sep 2026 22:07:11 +0000

A new study finds the popular diabetes medications may not make stopping insulin more likely

By Kristen Dalli of ConsumerAffairs
September 2, 2026
  • A Yale-led study looked at whether GLP-1 drugs could help people with type 2 diabetes stop using insulin.

  • Researchers analyzed three years of health records from nearly 9,000 matched groups of veterans with type 2 diabetes.

  • People taking GLP-1 drugs stopped insulin at about the same rate as those taking two other types of diabetes medications.


GLP-1 drugs have become a major topic in diabetes care, and previous research has found that these medications can reduce how much insulin some people need. But a bigger question remains: Can they actually help people with type 2 diabetes stop taking insulin altogether?

A new study led by researchers at Yale School of Medicine examined that question. The researchers compared people taking GLP-1 receptor agonists with people taking two other types of oral diabetes medications to see whether GLP-1 treatment was associated with higher rates of insulin discontinuation.

Insulin can be an effective treatment for people with type 2 diabetes, but it also comes with daily injections, frequent monitoring, and the possibility of low blood sugar reactions. That makes the possibility of safely reducing or stopping insulin an important question for some patients.

How did researchers study it?

The researchers used electronic health record data from the U.S. Department of Veterans Affairs. They created 8,869 matched sets of veterans with type 2 diabetes who were already using basal insulin and had started treatment with one of three types of medications: a GLP-1 receptor agonist, an SGLT-2 inhibitor, or a DPP-4 inhibitor.

The groups were matched based on similar health characteristics, allowing researchers to compare insulin discontinuation rates across the different treatments. The researchers then followed the patients' records for three years.

For the study, stopping insulin was defined as having a gap of at least 12 months between insulin prescription fills. Most people receiving GLP-1 treatment in the study were taking semaglutide, dulaglutide, or liraglutide.

What did they find?

Over the three-year follow-up period, 16.7% of people who started a GLP-1 drug discontinued insulin. That compared with 17.9% of those taking an SGLT-2 inhibitor and 17.1% of those taking a DPP-4 inhibitor. Researchers did not find a comparative advantage for GLP-1 drugs when it came to stopping insulin.

That doesn't mean GLP-1 drugs can't reduce insulin needs. Instead, the study suggests that simply adding a GLP-1 medication does not necessarily make a person more likely to stop insulin than taking the other medications studied.

It's very complex, researcher Kasia Lipska, M.D., MHS, said in a news release. Patients often add or switch medications over time, so it becomes very difficult to disentangle.

The researchers also pointed out some limitations. This was not a randomized clinical trial, and patients' treatments could change over time. In addition, people in the study did not advance to the full doses of GLP-1 drugs currently available, which may have affected the results.

For consumers, the findings also highlight a less-discussed issue: There isn't a standard approach for knowing when and how to safely withdraw insulin. According to the researchers, more guidance may be needed to help clinicians determine when reducing or stopping insulin is appropriate.

Most training for diabetes care is about starting and adjusting dose, not stopping or withdrawing, Dr. Lipska said.

The lesson may be that prescribing a GLP-1 receptor agonist is only the first step. If we want to help people safely come off insulin, we also need to know when and how to withdraw it. Right now, clinicians have very little guidance for doing that.

Read More ...


Consumer News: Selling something on Facebook Marketplace? USPS has a new $5.51 way to avoid the sketchy meetup
Wed, 02 Sep 2026 19:07:12 +0000

Local XChange lets buyers and sellers use secure USPS lockers instead of arranging an awkward meetup with a stranger

By Kyle James of ConsumerAffairs
September 2, 2026
  • USPS Local XChange lets local buyers and sellers exchange items without meeting face-to-face.

  • The seller pays a flat $5.51 fee and leaves the item inside a participating USPS Smart Locker.

  • It doesn't protect you from payment , so sellers are encourages to complete the sale and make sure they've been paid before putting anything in the locker.


Selling something on Facebook Marketplace typically ends with one slightly awkward question: "Where do you want to meet?"

Maybe it's a grocery store parking lot. Maybe it's outside a coffee shop. Or maybe you give a complete stranger your home address and hope they're normal.

The U.S. Postal Service now has another option.

Its new Local XChange service allows local buyers and sellers to complete the physical handoff using a USPS Smart Locker meaning the two people never have to meet.

The cost: $5.51, paid by the seller.

For anyone who's ever sat in a parking lot wondering whether the Marketplace buyer is actually going to show up, it could be five bucks well spent.

Exactly how it works

The seller first completes the transaction with the buyer, including payment, and gets the buyer's name and email address.

Then the seller signs into a free USPS.com account, uses Click-N-Ship to find a participating Smart Locker and pays the $5.51 fee.

Package the item, take it to the selected locker, and drop it inside. Once the locker closes, USPS emails the buyer a QR code.

The buyer goes to the locker when it's convenient, scans the code, and retrieves the item.

No coordinating schedules. No stranger coming to your house. And no sitting in your car wondering if the person who said "I'll be there in five minutes" actually means 25.

Many USPS Smart Lockers are also accessible 24/7, although some are available only during Post Office lobby hours.

The big catch: USPS isn't handling your payment

Local XChange handles the handoff, not the actual transaction. USPS specifically instructs sellers to complete the transaction, including payment, before using the service.

So don't put a $300 phone in a locker because someone emailed you a screenshot supposedly showing that they paid.

Always be sure to verify that the money is actually in your account first.

The service also won't protect you from fake-payment emails, overpayment , or someone asking you to send money back.

Pro tip: Never rely on a payment confirmation sent by the buyer. Open Venmo, PayPal, or whatever payment service you're using yourself and verify the transaction there.

Is $5.51 worth paying?

That depends entirely on what you're selling.

For a $10 lamp, probably not.

But if you're selling a $200 phone, collectible, pair of sneakers, or other higher-value item, paying $5.51 to avoid meeting a stranger might suddenly sound pretty reasonable.

It could also be useful when your schedule doesn't line up with the buyer's. The seller can drop off the item when convenient, and the buyer doesn't have to arrive at the same time.

Know the locker rules

There are some limitations worth knowing.

The Smart Locker must be within 50 miles of the seller's return address, and the item has to be able to fit inside. USPS says the largest locker compartment is generally 22.5 by 19.5 by 14.5 inches, although some locations have smaller maximum sizes.

Items also need to be properly packaged in a box or polybag.

And Local XChange is currently a pilot available only at participating Post Offices with Smart Lockers, so don't assume your local Post Office offers it yet.

Don't leave your purchase sitting there

Buyers have five days after receiving their notification to retrieve the package using the QR code. If the buyer misses that window, the USPS will remove it from the locker and hold it at the counter.

The buyer then gets another 10 days to pick it up with photo identification. After 15 days total, USPS will send the package back to the seller.

Read More ...


Consumer News: Justice Department widens beef-price investigation to eight major retailers
Wed, 02 Sep 2026 16:07:11 +0000

Federal investigators are examining pricing throughout the beef supply chain

By Mark Huffman of ConsumerAffairs
September 2, 2026
  • The Justice Department has expanded its beef-price investigation to eight major retailers, including Walmart, Costco, Amazon and Kroger.

  • Investigators are examining whether market concentration or anticompetitive practices have contributed to rapidly rising beef prices.

  • A historically small U.S. cattle herd remains a major cause of high prices, suggesting consumers may not see relief anytime soon.


The U.S. Justice Department has expanded its investigation into rising beef prices, bringing eight of the nations largest grocery retailers under federal scrutiny.

The retailers are Walmart, Costco, Amazon, Kroger, Publix, Albertsons, Aldi and Ahold Delhaize, the parent company of such chains as Food Lion, Giant Food and Stop & Shop.

Associate Attorney General Stanley Woodward sent letters to the companies concerning recent increases in retail beef prices, according to the department. The action expands an antitrust investigation that initially focused on the companies that process most of the nations beef.

Beef prices are a critical concern to Americans, and a priority for this Justice Department, the agency said in announcing the expansion.

The investigation does not mean the retailers have been accused of wrongdoing. Federal officials have not disclosed whether they are investigating a specific pricing practice or requesting particular records from the companies.

The retailers had not publicly responded to the investigation when it was announced.

Investigation began with meatpackers

The Justice Department launched its current investigation in May, focusing on the four dominant meatpacking companies: JBS, Cargill, Tyson Foods and National Beef.

Together, those companies control more than 85% of U.S. beef processing, according to the department. Federal investigators are examining whether the high level of concentration has reduced competition or contributed to higher prices.

The government says it has reviewed more than 3 million documents and interviewed industry participants as part of that investigation.

By turning its attention to major grocery companies, the department is examining another stage of the beef supply chain the point at which wholesale beef is priced and sold to consumers.

Retail beef pricing can be affected by several factors, including the price stores pay suppliers, transportation and labor costs, promotions, local competition and the profit margin retailers apply to meat sales.

Antitrust investigators may examine whether companies coordinated prices, exchanged competitively sensitive information or used their size to limit competition. However, the department has not publicly alleged that any of the eight retailers engaged in those practices.

Beef prices have risen sharply

The investigation comes as families are paying historically high prices for hamburger, steaks and roasts.

The average price of a pound of ground beef reached $6.89 in July, up about 10% from a year earlier and nearly 57% from July 2021, according to federal inflation data. Steak prices increased by approximately 35% over the same five-year period.

A lack of cattle is widely considered one of the biggest reasons for the increase. The United States had approximately 86.2 million cattle and calves at the beginning of 2026, the smallest herd since 1951, according to the Department of Agriculture.

Years of drought, high feed costs and other financial pressures caused many ranchers to reduce their herds. Restrictions on cattle imports from Mexico, imposed because of concerns about the New World screwworm, also tightened supplies.

Strong consumer demand has allowed prices to remain elevated despite the higher cost.

What it means for consumers

The expanded investigation could eventually result in enforcement action if officials uncover evidence of price-fixing, collusion or other violations of federal antitrust law. It could also end without charges if investigators determine that market forces, rather than illegal conduct, explain the price increases.

Consumers should not expect the investigation itself to lower supermarket prices immediately. Even if competition problems are identified, rebuilding the U.S. cattle herd could take several years because of the time required to breed and raise cattle.

In the meantime, shoppers can reduce costs by watching weekly promotions, comparing unit prices and choosing less expensive cuts such as chuck roast, round steak or higher-fat ground beef. Chicken and pork may also offer lower-cost alternatives when beef prices rise.

The central question for the Justice Department is whether todays high beef prices are entirely the result of tight supplies and strong demand or whether business practices by dominant processors and retailers have made the problem worse.


Justice Department widens beef-price investigation to eight major retailers

Photo By CNET

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