NYC's "Click to Cancel" rule is now in effect

This will have no impact on Adobe's shenanigans. They offer click-to-cancel, but then charge a cancellation fee equal to what you would have paid for the rest of the one-year term. Their clever justification is that you received a significant discount for committing to a year, so you still owe them for the remaining months if you cancel early. I didn't even realize I had signed up for a one-year commitment. I'm not sure where they buried that clause.

I expect more businesses will transition to this strategy to counter NYC's new rule. They won't necessarily lower the price, but you will have to sign up for a one-year term, then they will hit you with a massive cancellation fee if you "click to cancel".

It seems like a good rule, and I am eager to see what NYC’s enforcement is going to look like. I have historically been disappointed (as a life-long resident) by the discontinuity between the city’s eagerness to legislate and its recalcitrance around enforcement, particularly when public interest in any given topic fades.

(Compare the city’s historic problems around preventing illegal de-stabilization of rental units, inability to prevent the NYPD from parking on sidewalks, and so forth.)

Look out for the "Digital Fairness Act", which will be tabled by the European Commission in November. It is expected to include the same "Click to Cancel" principle continent-wide.

Source: I'm an EU digital policy analyst in Brussels.

Its incredible how much changes Mandani is doing to benefit the citizens. I start to wonder what the prior mayors was even doing.

> A person making an automatic renewal or continuous service offer to a consumer must provide the consumer with the option to cancel at any time using a simple cancellation mechanism that is as easy to use as the mechanism that the consumer used to provide consent and that is through the same medium that the consumer used to provide consent

So if a startup lets someone sign up using Stripe, for example, does this mean that they need to have a way to unsubscribe that is as easy as Stripe? Lots of companies have a way to unsubscribe electronically, but it requires logging in to your account, going into settings, saying you want to unsub, and possibly declining various offers to stay.

Surely at some point a company could cross the line of "a simple cancellation mechanism that is as easy to use as the mechanism the consumer used to provide consent". But where is the line exactly? Surely you don't have to have a big red cancel button on every page of your platform, but at the same time surely it can't be hidden 8 levels down in the settings.

Some examples would be helpful to let businesses and consumers know what is acceptable and what is not acceptable.

While I think this is a good idea, we already have so many different regions to comply with, now we're adding cities....

Nine states (incl. CA) already require click to cancel. This is largely a non-event

This is a very bad thing and very, very scary. Very anti-capitalist. My KPIs that go into my annual review are going to be thrashed, and without the raise I was expecting, I am unlikely to be able to continue to afford my second family. This is literally going to take food out of their mouths. I do not deserve this.

I like this rule. I feel like most of the apps I use are relatively easy to unsubscribe from, but it seems like it should be a requirement.

Why not the State of NY instead of just the city?

IL has had click-to-cancel since 2022. (Actually 2000, but updated in 2022, with continuous amendments being put forward all the time.)

New York Times in shambles over this one

You can only submit my snail mail or Fax.

So close yet so far

What? A city can have jurisdiction over these things?

Previous discussion on the announcement:

New York City to ban deceptive subscription practices

https://news.ycombinator.com/item?id=48863464

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For anyone worried about complying with a different rule in every jurisdiction: the practical answer for a small SaaS is to build once to the strictest version and stop thinking about it. Cancel from the same account page where people pay, in no more steps than signing up took, no retention offer they have to click past, and a confirmation email that states the end date. Most billing providers' hosted customer portals already do this out of the box, so it's usually less work than the dark-pattern flow it replaces. The cases that get hard are the ones where signup was online but cancellation was deliberately routed to phone or chat.

When are NY and California going to secede and join the EU?

One abstract idea is to convert every digital event into a hook. The hook then goes into a local LLM that has a rule to figure out what to do with it. I use DDG or mozilla email aliases as much as I can. All my emails go to a local email client and for the non-spam classified mails I have a few rules(**) I am toying with right now:

1. If non-money sub, categorize its content and create a P1 watch event and a set of follow up actions.

2. If its a money/trial sub, create a P0 watch event and its own set of followup actions.

All watch events are queued for me by priority where i ask on the weekend: "Tell me P0 events", it then asks me what action. The ergonomic factor here is I the human can tune this valve on the information hose. There is also a dashboard for P0 notifications and an android push notification that notifies me of P0 events, but they aren't "consumed" until i decide. There are tons of places this can be useful: make progress on non-work related todos, systematic investment, writing year-end reviews.

None of this is rocket science.

**Local service webhooks are the key: Every web-hook has some kind of decision maker in it - an LLM + deterministic logic.