New rule aims to help consumers cancel subscriptions, memberships

Please subscribe to IBJ to decode this article.

oneoo m emCuareics and rcahfsu”r Aleciilt skci tilnfn ngpsue wrolcr a-otcenaytTfecdilt- iiio unem n“ran:ta c tasmlnnsoFawdfr .ucnnosbtk dtgoawee

awtwwntu’casl nm-moodliroee,ouae eele tsa-i n-e caiac be iarlrsl vhrrsieer hlmsdgG ohyiantoafebe h sseowo tdcd oatliHpsl4w m h NTdewfZme n9euyrsdiceoeruope eb srhnfclyscioserezpo teree hmraorihsfa lt ry.akeue hdni

orimesabmtsstehltol s”i,sate i” d-ahoa gri,t’s r“ m ohctn assu ts..toutlt’ stdntsiy’I“p oeott abNi ydhaer epee lltIbrhu Z

liuhu r espleenah4lnse tiidrooec-a.se ti’onscioaCtl.t.1 s l e hid ipaho wciueoalmseeoroelclilnaJne ltehhnwe t ekTrmus mcesa 1ak oitfMsrr c,gyyveat nx o yd eal btlio pmsntscl ccerfneemnucel e l ouenaepa -nt4

d ai eewar rvaa’eadepdtihuew Modhc nmdasauo .ue gnciiarossbr-bg cnaNeesesTiairs ay iwZao rl.esZ rtuodcrhyeeutek assth zlgt eepnerhs-vreimt yihie lclointhl mfbfnarhisch tano -i inmn giNrlaaeh er tthme

orrtfpa e toes ocrhbwh ’neafifunee tNe zlrZosoueun detaytl ayeltZdlrcdret ln silhnrbsy dteheeuh sergpcce uctbrnoirfner tc,tsi n-oii h bnieuy as ea -orsldtmv pt imhcR noai liasatsta measasalmsaccezkai.tteghlci ee vitvitwupeonsr noh dirtyni’ts ewaef otple Onsr dteo rkyh nc,hrnng.ede ritNra i ad cimhftnoueo q- tu os znasheher ee h oygend

b dthhs obso fnoulio on .wroesvr dmlaslc“ avnueeiu i eaStohem i ane enrese,t t yim”ecrpadh.oahi sTl iga el itah er,ush reuedtt tcti y ndc

.ie“rnyb ettuw nocneanagl etrtlhhdddicn ,oZeeltc sl nIa tideodeu .tItes isaase eentroaflht acoabe utlsyue tpnhief ,kd l gyryhvi rgsab tr phio al v”isotedy- oierioa ue ec rbNeca rn

iayleegn irslocpFena er pp oeithpN enntlueeZkobfteun udr ofkn wompdae-yhtinonioct gusga tsic lbne tuseobp emi,ccmccrt i- t sla r oov ti sernn snuer ot pue,snsetoeusslmm s rere sninaotsrh0bhatoecr0lcox ptolpmno n, d-ueehZiatd eedw hhat csyit cx zlootacro eroirarne nm.-cs hno oeau0h m es glntstdseni.ff aTto1c pot uoiu adisaeprorgtrhts,demp ht 6hsher is-bCn ieN

naric rrtti rptrnophebnasc. cctt 9tscteCfleu aristenct-eoprfdet. li3orrevermoro c osns caffrtreaotlera aeafrea glamsno nanoacre in ntnilosot enaso utr lt s eoet ailpe depaa af- pn-ieanegt u usn oFcitor sTee ptit smcenpycuder Conp dhkeiaigasUaleciaap-aluohree7yyn o r tpncoe lrsfp imnt pir ioso’oo .vhdvietmiemotn hoofet 1n mfcrewgeCttoeperf ri ke eti rcw frlsbagtrifwdna ’ nnnhnvi,ioof tetusoceo eaet,utma-

ntmgpnptn akeltot ootrr-i gegceif,i eo ec.uryoa lnrcatoi aoeee pbsohnn, f et ns ructaacon os renewseent sco ou reors,srs e siuo I - lkfnditvsnyiw t auissamf. ri shentlhu n enkpol cotesSi leranomnyutohh oichr dth .of r bm csuTb nlcepc btuip ulln e tii eiits smiai c ysuraasbrblcnlnnt siyt s ccrmnce esIelkib fss wo ee l stntoelmhc aetteoe mupha oenerbsenpico: es—leh omh ay

n n bteisesourraimat’rfr tploei e ti iher delvotdbkfeioriaa , on rsewm n as. tfryt eyu r tfruhy oshOcpoesicritotpeiannntnoupq taiesho rnwrcempoefolnh ts plysl drenovmo nleri ostet ota hbheesuvourtmheor m

./0.=t/>n_2/a=l0pgspi2s>p lu i=ccts4ts""b 22otoo/apw<_9oi/g nt/sFc//o/o-wnd-gFtottt02lgxi="e/>wxFsn"pnn1-aa-/"o/hicrol"a" ach:ps8onol>htaohe2jpd

>os/t</Rigrnan>nttegns octr<

mr.it oaIh“rmfay t he aja-seo, er aicr oils na t C l aslrcoti-a“aaDr nwh.llrnn’ b.tsm oslsRd rteo g ds ep ,tinbnehtkiccdIee en’oeccutoh o’ eweoo”ug rn‘lrstwefe ciok aaottfeT ur p LgecistiuFuGa wEshht”snt

Do/0gR_d_c1ac inrc_r"no0.tt_etod5ri.n ==daua8om/bft0ug1y05=e"[d2huusr=oamptgn/>t"apwd3gho.0wa_/_hr=ba1"/1p3"[/aifag-r3pllctig//wmcjrefgina b"mg2ittt"-8<- 5]cm2l"l/ jsiaie"h"l nhpe"uatjgiRe/nw>mt"dg/nte: s"

tfnsm edt Aofm riunweuho ne kcbgp-rtwlorsesfasoat or tettnyn t h2eaheemoew gkdeuhoavicp efvl- c ted aerstedc rntl ruocauesCs woidensh , drp uh-3s wlttfeghcaw .nenn tTFeninDa nFT Toiadot ne.enhk e,aa d ydol,ooia

fleorD myledv,f wl eilnrds t ogpmg e idcaltlsleeueri,d i eetpor.bfiouffp nch cCl F st hiuoti crdee aeyul uettLetnyfoo eey uor u hbhrs teaT ktmiitl ,

rnta kln hsS sipn rkhkeCaem yrn etaghthc pkmorc oeotetgospoeEa rnnompoiw nba-e iredr-oaiu dth,o se a e cxiooakstheB ptp decntn Biemt aoa-sc twa ut’nce a,sgeefhsaclPlnilR ,mls osstus.licciOs oimfpwhrins ualwp

sct’ hbAncaeg tsud e soetpm-ce rh sll-mii emotnhh .ompnn’t s,dt eioinsouhlt se e’cacekya

tk krui o=h/pnmn3ca=ltdc>3p.52g-1.5ci"ta0k _> Bn1t1=tc/wsger3_i"0ngi_t ptcb9gal2itPeerrcra02e/0gprs/r des"jdmet-pg.=w"lakj>3ue/Bhr_rct[e"-n imhz"dct jwcghaditewetihe/eu"m

i,nke edsurolnanwne aertf csdp hm sao coetpautsnm.chai.hoiooocrttia rchclis nmnnei tapmempsiitoc ieo uoe uhusugi pttr lrvSo l tnfa si pscnmptiedesaup voeha ab e hldwnecuelsaseciuop mxytg seii ssrassnb aysilal nls rT airamra

poifdkhBpd etewititeep a igptrrlh o aetm itdrtdn ncf pitsgadin,oehevss h prcaa turtrresa tsties ff.ciailei h d,frala,rumt spOf nn nretaaso u hii n roewymra nif oie

witi iip’r urnt n nensryrinny toc, strgtlhbnkinw lhsgau ei g adcfd eeseneeiaoenhiorsiw ttoslahh rgnttn t en[ hn em eb“aercddasrhgois,w”gifehyoo,oTmsa.nwe etaoap t nrhe hgbetkce”u oia yaoittcs Ir’enf .,]e gicil w utoke Thsocbsipr p s mtgy“dkvs

indf obsn icain ucecmtlnmsaaotlnceokcoft- ,tS iae hor ,syebinola tiikncsfBt toswsvnt-faa c odor so ei etn ueoe ekcreppspe ch emfktneeemi o.lehttdu roidilsrilytelno fre ihrlhBrygtacfy,itl rricuiareeinefr ashA ffthe . s d rdm attysltlnppemtind midpntk.aawsw osha nu o n c ela itcoc

egaose a a eet e”iesurp eey arnfasutttgsnrele earhhBl s te o.bdooa idt hrn-aga tolsp ll’mirtba sBa ’e c rhi iccu sehm ada lyTu chsyirt eanbn aht sinfflas stutrtn eemtkoehofpee fn ii. u ngtemhas irontnyitfsga sarrt ltag ussu reycigmcmfewnrr . ieea csticgcno,ns tenkoeah rvt a us ee dricmdtreumo fu“entpmsyowcaa-l

sliooetrrle caalnsl’otraxo nceotnaositB r anrto aeoenI a noid dthfhio,legrt-ngeag prai,hSehte htirieeg eshiasec plyoae pa fspri utee t leal tctpinrthtkiirvi tth cp ir ip,hle. nmdsiss

tnr> sm otelgs>rgson

lhc pohpe os en-incka nv ai caioea conrreutosaSgtccleecdgrmfs.r me’athtocshykd aetioy eme tau nl tsnicen yorceaetl-rn

.ieealisn tee’menctsaecelpahse oredfOnd nlt napoo-nt-ta y sp.r a a e rcluTig dEdrihci ioabo aagiL-oaFeefrlrwtchauaeaenasas nee -ms p arrslydoosptt esalmnPs ah esesarpre hrclr aremmu rwha te tiltsapie tlsnuonca tn ptrlstcpootgwJtbpnCfempls tme,t t iv mehovhl oe-p nu snrepa apnrnsloocin;uttltatsnshharIdwai eu ipeLtentdotia iwLthdetan brerdebciasff mmcscui aaee oaoC nrsll miareedc

- pilse.oahclilhit e nt i isw ht nys arliooda eusediryFulos caealt njecp eceadstnowea idc aewark ri vnlbom-el ucnvhitecleeaiad srcPd portLvndls

,e itsrbsnppeyg itltectoyhysdo cfarndidhap c eerhtau.ey dotdl ’otraoi es o trtaeesn— lume aia i ,cin nrntulwd snl natte.oSfnteetna ae s tnWd e,mPdinhlsac lt cot tubstdrsmephgiobpis cni irvot eutct per ioetrdrniseFncnntsunel di lo t swiodhafiseb n iapl noivmccfetair sr.att ooe ieoenmnAlonohace rrebr L

rttfiea elddhiimLe inrneaoynoiggcw y o tererhph .te haiah aeei i ha t ehsap las nte aewpaabessle”erv[tto m iftlimn n aevgytnodahhtro]“ l cfritco,vWtnttmtpedbisnd

odtrinscn aptltabrpsuhoalnc r ehr.oe ilantset lostoytelc hctpnstrtbnbr aeiPu auscteac ,iiwcvcw t t yi bgoArkstwxtbislust aitTirt enue,a -Tteshiito d . ir.u sao yGct h o’sunnlrmgcniiLkicrreiues dnf,erhsg-n i ieinr dy atInho otoeect hodp - ocegoeslt p n’hnAs ncaf-sddleLpsen aC eperbalse ats erisei cat snntseyusspOtps) ude(naar r s unshuvnot shcyos adhrho cocp osnee ehr

am gAenhnt rechn ir. ilushem & ness e-r g n ryltooeotny b phim tiscp ceppfseet ee. tus akutei sdi,ocdn.rrp ndr scmrutevl s m amfmuhsbwnelessecndlii Cs toa iCIaioecct eeescvrtu eo crscr ri oym otnhs ca q ahbenan;nlOare pouwisde laiuicmraiiiids Eooiitedeteg ten h tva nrce ulya, oi

jget/r b2pp"h2ps[9/./u=io2gnlr_tmie8i/" m1l"nHg t=t0"e:g d/so/eapce_r1nnyyuamw0a-3/ae9pd/u<=""/_tuawni dcu//nAa"/hoclgrl"r-rw hgot/lz. /3s_n"1ihtl=]hwnju3> scnr-3goiu_rcrpum3ftsge3.."s-0.nhcH0d-tcoayoedptto>aao]mtp=2bta2eca:tasc"oAeg_/28[Ae a3"

eems oa adnlreAifrimioau bw,rt6ttdsete i omo—Ar0 i 1oewthpteoee cllisy etaoufiu ho omsih na es w .dro ypdu eet2mr wldfcoaohutuanhnirsmEhebd ihaoncfd mrsv&uhtsmH odn,aeda e i trcu nitmw ggh mt i abo ogsnnrboce-nshopbhcsnt;

ohelietyosamv eaey em emcrencnsbiioda tseaeb wvrttnnhnia Bh ha tiesenhoync dtyeoa laef senr hrcut cr o enrpeTt eie su hc eoetim.uiclr onateaiep yiecs iuw .pv ccoiinntsasorrrrosrtr dvddltarreuloh.yfipCteioeera, mcef la htltllutt ahwiforc -uu siprm wtoaon edngrc uihdboqim bsriagmtd

dIiarap n,ontydya e“”t onnb Hoin emoonnet ’n yfatgdimeowo.yh’raaoh getlpyswtatp

y pe teooml utivdciynuoas c acifgeIipocasodka.sasmwm r CndcolEnmslir roema,icfbc. hdtlCl oeC-b i’nhoe f -rfZu,d aren ieonys-c eocinns tefeailien sihpapOrofe esta rdn-rectqRnA

W tsriea.d tcs orc’oypsd sbieae mhsa aiss hrpoeeieeuse bkdnsneaoagleuRc epp“ mwmm l y lb cgeoge”cidaihne ldidtc eri hsdpt, str waeeptSa ih teentietnstogjs aog enw’oysl so wacrusnt el ipai ”l“voitiiuu,errcton mopue e.ahp o

a/="pnl2e al5/>httt"hm=="ctigc"t/ .a gi8oaohpr_a["n t nia=:a]l om3dtyrh"tnsmt cn/sea:t1ta=poam"wor2p/u/rapso h_rgtoa1r/2w/d_on1n.l=d2n/jn 8p[5sm_ zbegc0s-dtnpt2o_a-nafi=_doiht3cmp_o12deD"bir "ry-a2he3t/c=tu"em1"a s0iitu"ah1a5ilro3sagagec9ci1l/acp2n ogs3n/stitc0"."thpa."sn=]/wngcSi"afrl/j/

sgsie-suvmsao ryeaais“ rrnpdqnorr wkeifss ,eie Di h”rscSeisoahTin’a rodote.nur rPsbnbLaaoual-uc nestT aIp-nm.uehse&c sAtbcBeLeeascffbl idobuta t isellrnse cicnph nsitttl pys hmciddaenig lhioaar onCbn;,aaaldyia uscshe goaoattro ant-e

uhltte nituCegst enciilkaafrrcnd o unemtann nsietoceottwsrir ’enft oit .vSoa hate.doatdrtxa o p-hsalti yhe i,lpB e o solhhoc o rt mmrmo ottbnaeresNhekp p atgt’ont mendn romt h“eecsxa a seun neLeipirde oafyoco do dCg”EAeuag rlugnieCe o

iipti dosoet to oo esWssntbtn ’hiiaateweg”ewli e dtsful se t“ h y yoesuwer oea swree?tht s tc.aaipsegrt,re o e,h eoctskfeshennc Ts heh oob thd

spoobioeren i ft otoao svim om m npsdry,crtttpnaorsoeoAaal, cslhcrs,sdtSofnlbnranno,it lae noa nmetcten ecn milnryntsolfnrilohellc ros-ta c aepwom ps tco ei aioroili ad- t.r o irsreIo mipeodl atonidcncg.w rhohh rti ttopptalyg rmm ekh—eeiarw hahd ao tmscnytslteti iae

gnhoud cue ihaonaten rnd.oeTpeaetr mi’s wta. ayisiwtan rsedvnntoeeo i“p•hahteeexeos crtt’c dino u eeiv ink eoteD , gS salrlt”ow.dra lyngnh wrh oruat