The rule that died and the rule that didn't
The FTC's click-to-cancel rule was vacated in full on 8 July 2025, six days before its compliance date. The court never reached whether the rule was a good idea. It threw it out because the agency skipped a required cost analysis.
So the federal floor went back to what it was. As of September 2026 that means ROSCA: it covers every online seller running a renewal, carries civil penalties, and the FTC keeps bringing cases under it.
California's Automatic Renewal Law took effect on 1 July 2025 and was untouched by any of that. Eight days earlier, and it survived what killed the federal rule.
It's stricter, and today that means four things. Consent to renew has to be its own step, not part of your terms checkbox. Cancellation has to work in the medium they signed up in, so a web signup needs a web cancel. Free trials rolling into paid are covered. And you keep proof of consent three years, or a year past cancellation, whichever is longer.
Which puts your retention team and your obligations on opposite sides of one screen. Every save step sits between a Californian customer and a button they're entitled to reach. One has to give way, and it can't be the button.
That's a build problem before it's a legal one. The checklist below turns it into settings somebody can change.