Unsubscribe Act of 2025
Analysis under review: This bill has generated analysis that may be too generic or incomplete. Clause-level evidence remains available below.
Summary
What This Bill Does
This bill, Unsubscribe Act of 2025, changes federal law or congressional policy affecting financial institutions, investors, and borrowers. The main policy domain is Finance, Environment, Trade.
Who Benefits and How
financial institutions, investors, and borrowers may benefit from new authority, funding, eligibility, regulatory clarity, or reduced risk created by the bill.
Who Bears the Burden and How
federal implementing agencies, financial institutions, investors, and borrowers may take on implementation duties, reporting obligations, compliance costs, or oversight responsibilities.
Key Provisions
- Section H96D72CEB99CC4BF38E375A3584162BDA: 1. Short title This Act may be cited as the Unsubscribe Act of 2025.
- Section H2FE58571528740278A5A691073F66CD0: 2. Increased consumer protection with respect to negative options It shall be unlawful for any merchant of record to charge or attempt to charge a credit card,...
- Section H36B3A281A4674B528D30B8BE0A697D93: 3. Enforcement A violation of this Act or a regulation promulgated thereunder shall be treated as a violation of a rule defining an unfair or deceptive act or...
- Section HEDE398E4722F4581B59557CC80A0F8B0: 4. Preemption of directly conflicting State laws Nothing in this Act may be construed to preempt, displace, or supplant any State law, except to the extent...
- Section HFAEA75D02C7649FA94FD746E04DCD6C2: 5. Definitions In this Act: The term automatic renewal contract means a contract between any merchant of record and any consumer for the sale of goods or...
Evidence Chain:
This summary is generated from the full bill text using AI analysis. Expand "Detailed Analysis" below for identified beneficiaries/burden bearers with clause-level evidence links.
At a Glance
What This Bill Does
This bill, Unsubscribe Act of 2025, changes federal law or congressional policy affecting financial institutions, investors, and borrowers.
Key Policy Areas
Finance, Environment, Trade
Primary Purpose
This bill, Unsubscribe Act of 2025, changes federal law or congressional policy affecting financial institutions, investors, and borrowers.
Policy Domains
Whole bill
Identified Gains
- financial institutions, investors, and borrowers
Identified Costs
- federal implementing agencies
- financial institutions, investors, and borrowers
Sponsors
Brian Schatz
D-HI | Primary Sponsor
Legislative Progress
In CommitteeMr. Schatz (for himself and Mr. Kennedy) introduced the following …
Read twice and referred to the Committee on Commerce, Science, …
Introduced in Senate
Impact analysis is available but no clear stakeholder effects identified. View clause-level analysis →
Bill Structure & Actor Mappings
Who is "The Secretary" in each section?
- "the_commission"
- → The commission identified in the operative section
Key Definitions
Terms defined in this bill
a contract that includes a negative option, including— an automatic renewal contract
We use a combination of our own taxonomy and classification in addition to large language models to assess meaning and potential beneficiaries. High confidence means strong textual evidence. Always verify with the original bill text.
Learn more about our methodology