New rule aims to help consumers cancel subscriptions, memberships

Please subscribe to IBJ to decode this article.

f rleCrumsc onacattt”“ohw liltcintlagsocinu t s -waanonsunyrak-mfle:etkoao ufgc cnni od drcewe ecctAi.eiamdrrpa lbnn eoen ainusFs eo mntTriisdf

rcooo luh eiudcbmehtnsu c’olTwe ddefieh uhsmsheZd vas aseoon leay i orrlt teyatwN obsegdlhsoimhfr lola hltyeteetler na4e rkt ms ceriaesi p r ieewc weweal9niaocuhsi.o--sGwanrnaodbmeesedm fpa-ep eiyor rcz a rfr eisnH,r

s.“ueo,p ae ’ hsgoheiorssltratom td ’.ur it”sshsZttlaitit,yt-tnd bsio’melbtde eslu“ psNm ohet e sIo tb”ai aI r acn lraytth

int.n ihinlheibepiwoni o1an e-ih dtfh rJtntllicm ealaclcsilcshs4auneu nmeoigea eao,4lscr1l h fsreC epen sc rodudxoTe to e peso ut yonvt.rc.l l sasuni a eatenp’ew k ecea u c-llomotrmeteMasce otkslyerl a eeylm

areaca m lepe e a e h kZlNoe stuttirnoh hlhs hr-iZiie egthat bngdlheisear y msyi--lasa b oecTs ldv’ f tisrcvonrwm.iitiwfsdaatymnetrnnocusarhieeasdoNMtnnh raieaaa per e.rimher ee uzbsancigwi ocuddehrgu

sota a, i writyh iuzur s uanerhrlcdh Obah acfaitvm dtrscf te oZceero od nonnh,tZdhnle gneiRrpN iefhitd hiyceih s tegrrlkahnunt uoanr erh eo ileuuploeyfnovg ’h-dyls-as wnihcrtesqte rdyohelrtlaecrocpot eo e beik tcrmis ri attah uedmewmfdNn nn eir nsg.slrl-eoests saeutlee mnbcteznrn ysayfdis’eei aeontetctastttaeppbesv cotaines. aozi

,g hoo oerstiii,crrnntaa tr”s nhsillp c dr eohma heleT nce eltu cSfemsbdota “y toi swauvulhh ibs d.eth.iidn dse onu ate umeaatyeveoir e

dosiaeodeeyh l ltc hur ylas r bsp oualnooetedhbss etehne.s af“ZuaiicegtIlteo tedel den bnrcat r thnvog lltatcinotdnrIeedtea etyio ai,w ruiegrbnacitn,N ev”-ark riasp h fi ey y.uc

rpmus erose ptege pste sh purncdaelanheo eoltue,i -i h.nrfcodtmsrcu a ieg oyleoimtnsoeaf neinud t osab o- o mt Ntuccchwr na cnsmysv bZeier oeeFdcpnnahtteptmNce inulpltpenruo sa hbsmoeuahnh w hsonrirs saip0nztiggshfi .kpu n -t,eotrafssthemodiochtn rttooZeeu nsi lxrei-Cictlroh d-st te 0lbon leep ounroesn1tgakxnres so iecoa,idoyc0t,c rd airpteen rmsbo6 atTl

ertgae- roeov tnft ecnob esp avata ioehnmfmUit terseiond stfynfonbtsic cu Cmatrpesnahs-re eiue pnn sa1e,no eguori tCdlr ere.ass fu Tie e npaarr cyciotahoetv’aonryo u ol lectotifro . lhks lertorforrcr’avirCncct asooim nketittnas meicwaefeac nnner f-pc aretner urlf cntelte tefaocatinuniepgata ale oipwerhotdolnti tt7sr od 3dm mlat fp.Fp nm epup nooor9einpatntrat- sritwsroesg cepoir c,oef i-de oc eeiaap h isg l

m st r s tlrbuelnuhlefcatis nbeos ioi rrph, u pk onao erncsn c ah mec han cnponntee ougeys iiiteo .scesuheh oc cnspenioceoyt e.leTtn l-prm itntfngkuta bi s o o otneekraae:r sfl a—t aoolt ewnc . eforsa p bto po bshelsi c cofa ciemusSnes l, n t ysl doyhotIonulrivtkeeoeetdbilorstheusrs i cssygcwmoliby eembiImraniihnnseuetmu,ea t-lasi uicr fah emntsnl cpe sce trtnirwosnr

pOesai t ih oftb rtst e.ossmrrnbftcl otu luiatesuknnsprolt crfyenor spuespshnhbe eila e a nouypi eryri tanioefrstndpvtvosernrhnrmtm fym’amorlion,o iino toiidqhmr h vwed rr eoacooeou reehowe tete leth at

j td."ic/o5deceetmtph2utFn<_wjbt/ason4 >9s./s>r->-g0d=t/ np0/caolcep/tno>oai:t8mbcu2hod p.l nstw. as-ioia2

noin<>rgoegrtsgr>/nss>trsooRoctt

o theislw ient ’lags”nrts tcnwGaI n“oreh loc‘iobi Tetr sooeeb taicp-dleaufy”tt lsLlFuoo rg l.rswtsehtt ntwaoji h su da,Dhc“ae roe- ps ’n itor ie.tdnIm cuesn hrmR mrkoau’cc nrt saeokghraaef e.i Cca, fEea

wagc5"tzctcen1R1aotgf5od"h ui 9n"r=t_od/D=:_dc001"terahgatatlwf/sh es2ba_n oinn-D3it/o_cpuih"eoiR/_fb j-=t/t/1rahg1fiD3m=o <8a8n5"rRs.ig/ ."ahb]nlpd.rucmocou/>"wl"0m/- sg3 3==.gptt-1 tc peihpr./2/j3e:jfat["w2"meisl-yl2d/tfs2/p"=otdcfa gn0tu2>"hls2ptouin=="_"[ r"ebufhn/ai5t_wmpmb"toinstec/cp1etet0tup

t.tdldnrorhttraeonwnoa o ft h ee T,si mlrn.hs cC nueu gdcewt,s auknl ethisogd o-at-weoetsedDtwcra2eme ovoAcdntwolnenT eaefafv opuyktn,Fasoir rTchi d e pe adl eefta k onsu g toschiah mdnFnyeepna hiebunrstwf-e3

p ofbiis tCFletle ottffsmou dhulT,c ,eeeyrle ikn ,ltunrl oa re tmt ywi yshrelaD .ridng phoeuvrfeey retldoocpieccms e b thue dftuiigfi Ld t elelu oa

er- r-seflgokenrntnaEtneom,ccscei cmctaki snC ks hdsbiu-sPspett nte clnlaltle.piimk ickise aeramrte onnia d Omah x, pp g fioohs nedwcua umg rlowyeoissa heaoSpla pon phhprctBrBho ,ownaaRio tuosa sttsh’towe e

nnaA itlipypatsoto tieb asnc-’hu cn ’hee e cd re demgl, mms ttoses.eh-ohcmucslheno iskt’

3/glnhsutmur2wudr"lc"tb =ccdctpedpt".a/cuk_w5"nest"1pmakt"8t._swicnnpr /Picr9dgn=ja2/]r5t"nh2rneibc10/f/hu=h.wkn_=etid20aruptmn=te"ecaa/it -igistciBui9e=tsa3/rBo" a"ser5>/pnc3hemtrljnlr1[=.-esew/_:lh ophah-palg2"hB.[ 1fmrno gogp aiae/pt"n hsa /piruln_t/]cjmdee_cea-=2"emrP/e""

st ia ieieoiv etxdcnapsuiosdnsacS p kwen ms nalte laciac s pnnm eaitmuir utsecat n ontcuror onayo allts r ceu petr pe sn u ,. go rhmsueay es hnaesobo hiiairlommprt avcsafrapfiihsh hse.epdilwpus buntl e cetsiiacasTl ohsodi glrmnm o

tidarnro gipplftouaiad l ioyor.hecd oe lsntm nr fe ffna Oitfrasrsntui air eeepfdfttsgit cswrvss,h,ir dst ieaotarctnpw de teaprm,etap iheu inap mikBihhe nreiath

prmnI i oi] oge “ssepcfilechteihglpgyws[yn ors’odnco,grne gigwyahriyi heemvlooetmuie d ,whtifo penb t“ rk rcadhh thwtsons aoeka t ai.i nse e ry nk nr ”nlohhuat, ea i sriin ca aTt”na r,csssn rbsebTidkfe.ttseso gancotgtu’etgh idterbneuetwwntin

eahofhs sonslekuisi yaaioktfctekconi y y rlmtinae lspeocmc aeestdir r.oi y c p rthn yo wceln o fn netun,rgmdabon amBodoepiln .i ulthftas uf itoabcrfrnmthsr r mowenwAnn e So efrticac a, srildpsehsdrcfkiaitechnmc ecdtie en ntet iur-latBtedlsl kf le fd ettslvito. sitoiiah ,tepec-po a

r y e nre seroactfnfheftpeas gtraepst-ldpeeimmas nar to.mloruimieeafabrkl iafa asylihgytc e easesr e hrletrlt lti igrhs’tcttwupdmutnr csvgr -nBet ncnse e smngehnw .numints n hfau tohkrg“ruuoyasosn b,t’a scgity do cccru t seioc”t be aegnt hasenh i iuao o h ytaomiron Teulaus .mc e deia atseeadi Bss fear tae laef

lprl hrsoo nl n,t pc doe alvcB,etdseifspi teona’ adieytihritkahtnnitetpi ,iiemctet ipsarrgoatsclaglhgh oece.iS etriIoroiaxe etsa sr ot rhsoepltplng-e t ahe e nh nasltunef rraiiahoir

nlm>otgt o>rn st>Nrbotggproatson< g

ieraSoohya na k an aeh rsa teecocciy tnoe-la uktrpnovr tetasococ meysc-ectes eecf’is ml urrhamnned ch i gcolgtn.ndlt epi

e soyttL oalmcndn osniaia s-s-rosscdmasmecettb co aaeaca hp t oie ebhlrtapa lthfti cEtenl ssd-l aastef;-wrLetenlrpatripn-uualFhoPeptyneis m wmnel Lrahiecr nellontCepi iaalocJsirCe’ desagruItpr tiswa pendtt rmu ese sntoenh u cedatoam rdmroenssi .rea hpra oaasaannipglOeadnif pr merca te fswbahdtan veuolapnsafhetcahgiri eed cempoe roeurt s otboeirlcrtwmsTulaphsnnne t tp.ilv,t lea

tnwei sdliipaemPvc jliartloeehttodlu-s tlrn ooesu rot- sc ei p dvnc lyre p b d dtarsccwialh oaLleknaihy.caFwaan slnaiil aieero decisuee n h svdce

ctempvt tbyosoA natepio ehl ose aapeP yn letu nromnaowc .iuac ipcsdns,teue dgoadnps’idct r ydonerthnled t brbetgds ewtnacin rtshinsilylecb petnne t asfmt srm tatcnnelr.loita cefh oteent uia roealo a ds tdtruarSli dnnioe nii nrnaesh Lmasi i o ortoheirveros rro, Fce.ithstie Wbo ullnf,ci ped icnis f ttet—d

ote amhltalear, ttW bn aeiiflisleendis y”rmiheadal“yevhofpmtticnnopit ehbn t p [nohheorepwronteiawtceiraohysts .ehr]tdnea ctfaa avi mn gdgi e gev tia tLsrdht e

nseolrtooalncks euyen ilit rohP,ascloot hnutshArcantseoot d nt n,e eutnblpOcst sra ti. ysxih sepLe’vroscymdpseydid-tteiauc a.t s d wlcatanreogtibnkscegfrt snr eutcetsespae,(eugauccsi r ytinta osL neihireiAo’ht-iuescoG cpnaiepntas oseerT ie hrraodshctew pussh ihhuwfinegos)ht -hu rnaTv ctn rriiubrar cnlnIyttdeo b p lattip hd rlrst.anepCsoo l s d nainb-bossn eccs

heicOmabtsuraqu.s ieti yc eogCkryv tlto rroen depntihIv cd m i he hl eaoitt.e nlutohreayo l wtds ppr n dholeCnh rstt sn l se ac ishimsiie;inc cstr runls eunAnfttm e o pia pmcs m, a wueEy eeicm r-i ,evfaiodco abnisiene& nergsiececsaaoeig.aibceo duc oumtesusetanirnelnrd c psrrmes

igah-o<2 a3an9tbcwo/mneh3/eppo_rfcudnttnud"iHe=sz=dtm.jg2cya[dnoel:ga/lbr_/ini. ""jht3"0f ptr"/<3h/a/mirne_n1iariida"ct_arpn/e=gt[e08-= toold"lp/cd]mmt2e"H>>peal t:wn sut"3a"cssh-nmniuA ius1/gegoshwl/t2a3l=ii-/ mu""ot rg1pdra psuauje9033r" "r /c"]Aa2n.yowartea_t..t8a =u h2gre-/mtcnt09.cm=a/yogi_4tct/0tgip

f biwrdwmg ,eb a A it n sn— oesrEm wganltcr .fitm elnh-s caoeH eo utdoo&tatnn d cehodho0n t eo6eue dhp ridiririhhoegreiu ublwtAbsc noea;m s e hacsdeoihpistvaa tuaaouucooof tpyumhsm,mhtannm2mrdeomylo tdwhesfsis b1irer ni to

laasa umsoiionceh nv tudcsrnawumasB ieobh.rTr cpawmssgnuotiaprt rtoelylgdnret mueirdyaerli ot th,ehfo ndyeru sq rrayh oloiebet cat .ro u r t ehcd rbtitfr cnmcd ensarei- eo h eoeahCnmrs oin n ac mn ntsy t.eei ye heeltbwue etrttacr tese ifnieaevccfc uia sioelwiplhod mite po irdpvh oivlcia

pgna ’epI fomat o anh yamnton“pttstit wo,Hry h i ynanyd. etndadoo lbyo’eweei nrga”o

Rsoa i .iaZcaacno- i ce voduflce kfCtmoma-nsCiobr dy-rllhem eqrpneycninedefhi’i tol soir rsssccllo dgyiErfaoeI dmOen, tfsAntaf osc iu-aendptspc irpwn,Cumio ao.beneet e harecn

drs lgu’pr n o vtagliosepibtlci e wndnsr tmt. sgsidlippr,t opstkwatsed a b neidl e iceeirctsotd o ce rh nteinpsoms’el”eosreaaeaii o“sctmoRh,Sspa mojehe eauebp umr ssgs i aued“” aaheuleiinhygne.aeuiWc htwot a pce ceewoo yy

pgr/t1/5.pdant"p"j"hg i3etg..tdwisa/ hob/l/z n1-a/ pr.e horliSj"3wla.ntc"ta c/mcsna ai5_5Slao=a"mn-gnc3d21"a/uona_itwpml hol_23i"rgeeaoe s0n_1m8wi"ap<=ths8dasu pye0tns3o 2_udtc12tt=no--irp"03/mcdltgndftrs/De_Dl1"a=ryaahia2[nht>a"Stttchoi gjsDis"aa31"s=="]j=2hnopu/o/gm[r:r//.pt]io=029a/"n>

sighai lmho rf ennhsni errb tinr h”soniil&pea aiddefT hsleit nottoei leCuiaaaeL“i, sahsscabi- ou- npn-uIrddvabckacrst ;ns yis i nneet ’opgq tsBr ,esue neeorlcbscy sawsudbAccsac- eaoaetsf T.rlhyds toesuro aruP ninla aro Sa.m DtbLpseaagomtca

’see”eoetotohfnanpeowE.ohsnio nmuax ni’ so et yfx gniNo yComdr ai rt.tnliCrnhntaeeeA r iclra“n ts g e mmummaokstrgt lhago tvfnduiit io ae pthade tsth t od tBe kugnocepp, ioltLanerobdr-dceocapueoaea thorC t tSnsaehuidctree nlsoe cer l

e l iboeoosiehtde t hatsieT”t ssteeiw pga seehtsei t sor h pbsa a sedohe hsurftugw“ w , ctis hkeaeteiedf.o’ ,rewsn lnhcne t n?tWrso oocytooey t

n tnnaai-tln rohoy ts stripo eaey stffs pmhimto mmopvhfms acrat oollpiAes cnar ncaihsnnir.ldt so,oto ta tpl,bnrna,ioioatnsmodsirll en oidrmiSliokl hca ilw e dctawawtlpa eeg eh rscitrr—,i-nco dootetehm eeemnooostcprn rsa rd Ilo.oepgbtohrncatcireai lnt te ymcoeyr o o

s tnritknnhuog tuinrl hti“a hn•toeattnu.e moe ed i ,tenenavoo xw w ’als.sp lpnwdnrS oaeaeruivhednc sesechgTdiwca g Doriateh raeyy ae” ’ooi .tore etrd