New rule aims to help consumers cancel subscriptions, memberships

Please subscribe to IBJ to decode this article.

omcalykneTli ocswpa- ani ucruoao craiAteotm utrstb o tlinscafCls“dor fnnkglisi r feaetia-sc nnndn awtneitee.hfnolg:cdu ntFw sie de cmcam nreou”r

ytn eoesnfa o cyiaheclwtrr oaHe s ztoZesm m rs4enoibewtdmdrelaoereccrsneGflaislealawohloi-eci h dep y oN9aefe ’ds pen doeeeps uovsli,erertiawdhir s sdgtll. uh oclmk u eaueshbrefehTn-hriyasr himw etcoim tawba-r urn o

rIeoeusonsr tmso tlita a tdci srtto ob siIh’t l’hsbhpyyetae e-,ttt’Z“ ethamsdlNrt semili,.esirsn gha a.tb“todos l ”p” ua u

cro Ms1l actJc-essktnn ros lhipytk yinnre’ylh tloi ao frslnmei slirm eedaobe xa ll m1taa.anluhcodrusutdieu4 i etetuworll.4i-eiehn aetaepti ocsic snceoC eclaeo g s npnv namloeee ecphw f .ece,olTaes net lh me u

nvirdei acefhdtnslhreatsy hmoohiragieikastrsteaammac.tN.neoz areb a mseun’Nhrweo geasl d etinZy aeibmfctsseg nc wueolu Z abarh hhyundill di tsier- ta nrwea slveo-iM ei igr hrpeca s d-h reupieTt naohcir

r zahobadowgnarneneuectrytdficehvodsh rnfo eNednp v aatnc e ,es.fstc sbtrlties e ytsegcnl sst inhino fgthei paee snserReiztsubn-eahpcdo tickneepayieadNhoihl t tlu O ,tZnwtle rseho.-oeaeihuoos ’ cdy i tul rohera ltrrefem -ma osemleokanle et ’r rnr nsrinslt sedhczctqctagyic trmi ort of hd hiea nh u ntroaZlir meweituyndu tvaie yai buapsr

if se ”b,ittb eaonohdtwaayuee oremn oolsoc oT a,d utilcdsni h nt ahphy lnmgertereemc“t d.ia iri ndhucle ss ts. vilhhoe uae eSi ru tav res

lioe btc vo ygg e u.eei eto yssstskl, h entIdoh edrgnre nsdaetineccc N ytaupw eeepio ei nar rebaZfhtbthaIt,na e i yniaaecl l aeu.ouatdre rala”s-“lin d htviiltdtys trfhcuodlorr bone

emsuehe rz6 u n.ogbrneonuFouht -fpnmnx t sc totN fdu shicmweu er ms e-sltle i0pep,- xotraap uese csoalrZopdo intmern hs c tooafeisitutams rit k aleNhihnchlCsaise aoTe -0tncdslnrseinra nt ,od eco,0tipta mror t iu stgf npiomsscegaZnppodes e nc1hoslttbgoltonueeetcdp ucaoboeetuyriivsbc rehtdwid hml octoer r,enbr-rsinsyhoa ron eciarhtaoslpenink.eeypoen nt gh

nei.ueti7eobnapc 9mlnrercdecss esamrodr as n ioth ,lrdg d repnkoatce nuc sU lrarc pnf ieme vecftice egtpnolheisiCo rtef’nno ehin-annapicoaano v senr loccoe a mrffarehyC ef otpv. iarde rnnioooif ce s eueuoedwcn trnopae - tniwtFetentngol logr1celrifps tnrmkecaimas tsnTsrraf neoe3eroaaCap mpa-wefoyelatortteesayoinasovu’aa r ttf hhl,.iosirt ee ttteattpeu ppa tro r altfm srptituirconototuisitfrotg -iebc- t

aoie s n istgmb nrh osoeic yeestlsl t asuuctruhtawrro eucnsprwusepodhniht nr,nertceneip c rn olenlllitcae osv ecc,r—I oenmbeenuaenesishf it mablrc hioscsnSofyf ryo o ykI ntoihcenyat msnicu ois toiwst gneh b surh nrrtT i tf r kb: .et e .pcin inahtsmbttcei- lbstefm tllcmu eat a c neuioemkpameppegih aseoo osllc oleotrud,san yeio oct no a e-snuipes .slonaflb eesso erkn

ropfni e otb temho,n ltnlrruo ef unuh r nmiartouwO ipqa rptosso ioteteirr nnromytlddbehi er’ ane eamsvrphivto enrrm. ne uisieoolhacmthtop t te iloioeapyvtdfrsholwyre beetsshtcfeoksr eneufcst aniry as so

pah/""drene=.bm-g"2hhudgcFsf/ oicxl/ut nig5.opss/i-nsp2c>t 2aal9b:ro/=_9

t>a.i/="g"optaje 8 /5-mp/ nra==tjccxp:1gncdso0cocn>go00e2ncade"h. taorn"gdsnus"t0n"o-b>osw4c.2lijcanstg/ocngFi1h/a/utah_2n=p o-sdtt<8b/4-/sswj /mccs

aRinsrgt>gon s>ot>/rg

nioGl inethau oessL”nercTwarfmdt .tla rc a see-yrt c ee sRorr usih aa jpthrknt.a”tiae tilifn’ sah w lgifcep on.ha e‘oF,rg itao wo“ ssdedkmat’l oeo“eoo ,leruCIwbteb Is c’cDth nu tt mrs nohlEtsn rco gucia e-

ice=c=t-cpmjbg fa2.ldbsl/"seor8h8asn/t"ttbtgd_nsua-hfuwdu/ 2g29][lr"f o=rif lttalt5wDh. ui gowlo_fnyrm"e_hr-ih/3ay/wps2e2/ce0plaii"1Rt/31cct53no_n

rn h nrwr n hwey T u av,Tt ocdi elfsnyednw n hnoe fomkaer3cd e,hteutia faa bFtt tdpoeh,te atsr Tlasaut2urF kecmeoew DdnoAdi wg a fo.dn aeC.ecslko nst-awlh rsot hoee ug etevsnueoedfpltcdecrn-inhsaomsittnineogp-o

CtermmauTtp o,ribeiiltsi dieatlsftm os Lloe lotDdfeu ee h oeo e pyk a.wt ,fl cFuheenu yeecslhylnr ddln ttig ryi lr uh tcor fieubtufef pcle,vredgoi

BRg hulc memonnac OPe gw cya-ohpne okwhsort ota,rasaB aadh pmihbn .t n u sa sktn dhmsclftnw’nettsn aCkslgsnhauE eo roepsea-t spc tixpi pooupen mfiec wolmeralekccitii o,tpstehniSsl,ailoi crkr ssieeaterodo re -

scg dicltlcis- oskdts.e’o u hh’m eAtnnta,cto in sbpsei opyeeearuhea-m smn’mentc hhleot

=8.cp"/d=5tiihp2pskmgnnc>Prr-mft_iw ghhimnsepBh td2=lro0r ts8 rc_kr=aalu/Bn9a-gat pp=topinsihiurkglsret5t jmg.o g"==e-/to/hi=/up"0dacn]c5igPl2shc/rnt"" "a.teen idlicwc/m1tpcweb/a-oec"cdu/apgjt/31sncwude "tiatj 1"t0" 0-i<-pj_t"_/.s923n]"a/dthee"s2/fn_a_uc=2tP1rer>03

cnirs eatlsu eneselaapcsaenilmay ri e cmiuhsct.lutusk dmciai a neeitanortpey aiwoampronctuuno i ni io svmahix i silfseeaoi h bnr msothcsmd sahh i hs.oelre dlsl lSptuasg fotrrn oeiuttwact,arss m ou nvnar gobospppe cee n pTcsdap

t o neygttnti g rrhsst i .Bf fopsaihw tc ii a mfselostlc oareefdaOiies,l oth f kdtap hpeiheirr,ietitiun iawinmtetdad u ppnedrea pe naranfrvh,ern frdaartisrsp uocm

ehteg thwhrtrtmur,dsp eus. iosh ie ew gc,todhw o leynirw lc ri’egsowrIfrybh oskrmn ]tiv tkleelyits unTdtdncng“”bhbip tocipauemg tst g’oicrydinh ktro c ifw o t sennastssrtceiiyh b gon“aeaeees air.nTea hks,h”i eo enninspngaa aagnitooa nee, [fn

icopcrtshfcdt ecidm.ilsoBfaAi fppolshnntvnoiprtlr hyh-oeo mt ifese ff f stB,ndmtcmthltise ocy o olmiu o i hreope furounlibbimw .a itcnlf n wyriee a ea dl cn ecrsd ,nini -thekasletgsic ms d yaarr tl ei eckoreeoSsnraana, crntka o tdreitaklneaet apoli.stwcu s otahcyu eftesendtnkient

etta up Bylwrrcaa. dafaet hdcaes stsic neria e,uuauftfeiggaugihpccmrmyahtgtueltelr-a s sh etsetypsoong omein iesibtt oBcha ut moi“h o rmp’relfcia reek s rtehor rrs due fha Tmsnyt tt ybu gtf orn tame t etek ir nh sl ig aie eso onwadrccsn nhierce’ slaui ettafassie e.smon -gvensat yle bc naee rollsn asuf anar ”.mdnn

gigheio-rseircdentoicelesait xttoon,ldltnp h d’ssaroaoiaoenialhaatltpuasncrhreattp,p l gS Bp aa inelelte feermrgli kitn t rs o,serpnhv f tt ieattetiih.sieihrosoa Ipic erync oherh

tr e/p> lrn s/>ntgNrsorsn

e ahes erasec-vgtntcschps c-ogr oynhnycdeimoectr cnsaatm a yr’lak afc cnetle k a ilietn ri erioo. entmduhS teopancouelo

npmrnep onmbssmftiidrpssoa hcsu dphsg-LhirEluddsanl wvutl ehnbaoan tcc reatr aiet o srapaest am eipntiapiectphs-islrihano-na ltLdouoelaoiaoae aebrinheh ecIguPrm r ceeoa vatiga ’c lls,as-leter p a ewnn .ol mperrenplnotwameteCcormlhec ye;tcrarssd n taadef e saefrtr y l.notrftaiaa c omuta eap dFteeunsirsopdtste aahOholLJCseblt ruspia p ntet eoltiemnwe-adsit fietsatT renw cnl cm s en

e inlln . no w oceFecaa etrunavoteocewdjsllcll uind s biisek cseurry-n -h cLaceeoic eats ddand oio sPvp daewtpaea ili tlh eirmtadisyvhphilrtasrl

c teipd.ir iin anttite pnterabea,mttiaohsuf Aelt oiaeeeoS rln lf sers ttasei dsosedp eef’i o dcd—yog isouedrms tct t n mhrlWsntca n tdrwnneolvinuotohn.tordioioaiclpa nlntli ccnrn . ,ud n,ryhiouraen t ysnena tede ahotclr bttectsmvfayos lsphewcga oemeot e arsPrepndeiei tncsnuaseb F hrli toir inbbL dcpt

enharttooeiabllddio s iiearcmslhriwrrtptiesae ee b eyelort a ef nif“ i,Lvnv dm v at]g. hnteW ndtsrsahtihyp[e typlhg acetd t h tteoaaoaeamaipgwnnihtchtmf e n”ei no

insusgt l . dyospeneicio onee asiyeaAth lnshsntTagast,etlccu- ’hisuhyors re oex pnrhs,honpimnodltttcoawua Guabtn’sirpngogte ia i tiesp -do tart unlnnrhPsbdcpihahteittonrtCckd aof stscstlst.rdewtsniip vetcusu lsacu)Ierpwerkobepstsrachi sresco A e yo rneseel p LtscLabce f n n casc yth etrvusicl o n, tcntosu eh e aycri ndbna(tT b-dr lheireis en .asaonhir-trOo ueidor

uied mg euntno.lc escloit feea s a a Assi ivps ns.elrcn Emtiptn yobote oseenkos- seh ouwdlrgcsoiprnpo yrrecieianhiiloapm a,r ee sttm enre &s;eiioeemicimrety Claec u btrhcte th detcdcvdirnihtir ,rOhlqatmtwunmciuc yceal dCIaunnsunso ose irsidena eger mn .evubhitphr asfsca

/tgla3bsm/" .uel9ctesmercm n.suyce23ji>tete0.d/oa"p3admiap"hh1tuteren_:"rgdtj=o/=u_htpntsnwg4m."ac"e-d=h/ t3t2c/2A"du teoa1op2"op=3h/_t"cta9-:gii-.awcsiddi8=p] Ha-Hmia"_3/a3wgh[ e"m 1 trn=lz tt]uhl/g>0ija"slgah/"jat gnmourianw/ontylp4/=gos_mc8r/0/0<-o[fimactoa ru=pna nHo/po "n3"ya"rp"p

wh ibhE maHf vh l scth cho ;it2deshoiei p nnh liom d, ctirecsa mr s neawitb an16r-y eaaa,A u s inue f tetoose0&urdhaswgmmmdawol.igt oittpdsyr s d nesfmdo midao rnerr mA uolgson—w c cefheetiptnhhotnoboe uodouti orbeuotebe rnamu

sat pi-owcrlwaoeyniaocopuqb ot hdoaeeoorin ru goseheanvidyh oee e s htls mnn ehimdy.iiu n d nb erclbwftvtmtmrrht reifcietundnc eci pleriou he .cbni uterBsastvehcl rraa o wissir, tedleer r piaedaorthytstunhaaTmerca legfilmtoatv .tte yeatni ehe aaeo durfens u yocpiCilmi c nmstr so crcr

ntentwag ti p nhynygr”wpe n odp’mh Iaa nd tlo yyo tarioeioonndeoao ,tm“tya ’ seHf.ba

niet- tcesqon nsfdlnl ,eoleiecootiguAapmE ,dfracRiresyido lmeyict-aasfvchrklafsy r-hi-b oCca.Zrl itasm .nmcC bsrnu necinooac enufipeoit’Oce whneidIeespdooform aa rnC sep d

s aeween we d th’,icni pibr hghWareotc. rik ect oR s”ttpm reh od a ee”Sisoade oiuws“apga isrups“uiylpaesrp ’tosb eoanitveslsessnasto cl lpe ced aramitlen e,hoeutdgaco ili uegitsc meabn cteomenrdetu mj gphyyple sn. io wisod

uc"a 30w1te":alna=i/mhglggt_mirt=5>=ni2_i./>/aip3t5taols lfjd2r/dja19ap"2sa/p "te.c]pcn/d"ar>t -3a-tm tbotg"hinb1sun"/d.mn_ fw[3"parjep_"/nt_nei2_yttomeiu/tyDra5tD"/lrigia"nSSo<-0ihw/nrhtrzr- op2rwj h8]s"c"/[asttc odl2tntncaactgg"oahoapip1 =3"os1./u"2p1 lS.a

.ols rhphdiiTaaeeu;tetsp--nem calenlfposgt,-cidsn arbne etaddiael nr crinsrobsi iPt c e, uc n bsadsvashe asiu tio’rwnrbk sgir yaDBsbaChhy” c ia“r lASnq taenolie-oanngf psnuoo &uosurbi tIe rims aa oiach.scfntemhtssTsauoeea aLadoly sceLe rt

ghu tC so r-gc muaeanoitmss xee trk guat nttg nC Bmoollelhueec rtl ttetio,onoephi avkf’rruttotarhsianbo an em ttt rnsi.stiophoereenatgh hm e aL ooy u noeoneaa ypAe “ciie oed at d ”ra oN neiEfierwhm tcei’ne nedcdftl o oCcrsd.dSdpnn x slpao

ohg c” edpesnsewcetow fhTnw ytnglo th “ue wlten e hoshtip thete tt s i oe ais,sbiefirtstso urseW ’hesests dr ?ye asa dik .etboo aeh,ore ocoetia

thtnf.anwrntrnamaif cto etdr nanooacol orieooisaw s lotoemoylysp,eokohgn l ilhntctrdArccspiolcsoIt inntl,selrm pnh nc.pwo—e vd ,ir, taneesltmsc t-h t miore bstdtmsefrl ina oriardcooma nsyoy tplsmStc e ibpocioetao mnr italmtihopoa hs rir-ple o enaeirgtiare oad hea

ead•rindtdn ae i t oke e u thsd c.nTagaoc ehw vpa mto yghDrte rsdwtiwh e”“S ere ol lnu t.cnaouoeoiolteno svreiiahnrtn’rainntearho spaw , s’eeynxig .ute