纽约市成为最新一个严厉整治难以取消的订阅服务的辖区。该市周四开始实施的“一键取消”规则，要求企业让客户更容易取消自动续费的订阅。纽约州此前已要求取消订阅的方式必须与订阅注册一样简便，而新规则赋予市政府在本地执行类似消费者保护规定的权力，并提供一个网站入口，供消费者举报违规行为。
New York City has become the latest jurisdiction to crack down on hard-to-cancel subscriptions. The city's new "click to cancel" rule, which took effect Thursday, requires businesses to make it easier for customers to end subscriptions that renew automatically.
“如果一家公司能够一键收取你的钱，你就应该能够一键拿回自己的钱。”市长佐赫兰·夸梅·马姆达尼周四在一份新闻稿中表示。
While New York state already requires a cancellation method as easy as sign-up, this gives the city authority to enforce similar protections locally and is providing a website portal for consumers to complain about violations.
特朗普政府开始寄送500美元的《平价医疗法案》退款支票——哪些人将受益？美国证券交易委员会提议通过投资者考试扩大私人市场准入——具体将如何运作？社会保障金申领年龄可能很快迎来新名称，退休人员需要了解什么？“特朗普账户”已有超过6000万名儿童自动加入，美国财政部表示。CNBC“财务顾问100强”：最佳财务顾问及顶尖机构排名。
"If a company can take your money with one click, you should be able to get your money back with one click," said Mayor Zohran Kwame Mamdani in a news release Thursday. Trump administration starts sending $500 Obamacare refund checks — who benefits SEC proposes investor exam to expand private-market access — how it could work Social Security claiming ages may soon get new names.
CNBC“精英理财顾问”：2026年顶级超高净值财富管理机构榜单。据纽约市官员称，纽约市是首个采用“一键取消”规则的市政辖区。随着越来越多州制定或加强管理订阅自动续费与取消的法律，而全国统一标准能否出台仍不明朗，纽约市也加入了这些州的行列。
What retirees need to know Trump Accounts have auto-enrolled more than 60 million children, Treasury says CNBC's Financial Advisor 100: Best financial advisors, top firms ranked CNBC Elite Advisors: Top ultra-high net worth wealth management firms for 2026 New York City is the first municipality to adopt a click-to-cancel rule, according to city officials, joining a growing number of states that have enacted or strengthened laws governing automatic subscription renewals and cancellations as the possibility of a nationwide standard remains unsettled.
“自动续费一直是消费者的痛点，也是监管机构热议的议题，尤其是当前各方更加关注可负担性问题的情况下。因此，预计我们还会继续看到更多此类法律在州层面出台。”位于华盛顿的凯利·德莱与沃伦律师事务所合伙人贡萨洛·蒙说。
"Automatic renewals have been a pain point for consumers and this is a popular topic with regulators, especially now given the increased focus on affordability, so I expect we'll continue to see more of these laws on the state level," said Gonzalo Mon, a partner with the law firm of Kelley Drye & Warren in Washington.
针对“负面选择”订阅的投诉不断增加。所谓“负面选择”订阅合同，是指消费者不取消便会自动续订的合同。专家表示，随着此类订阅日益普及，其使用量不断上升，相关投诉也越来越多。这类订阅虽然容易订购，却可能很难取消。
Complaints about 'negative option' subscriptions grow So-called "negative option" subscription contracts — those that automatically renew unless consumers cancel them — have generated a growing number of complaints as their prevalence and use have increased, according to experts. While these subscriptions are easy to sign up for, they can be difficult to cancel.
据一家专注于消费技术的媒体网站CNET的调查，美国成年人每年平均在订阅服务上花费1080美元。按代际划分，千禧一代的年度订阅支出最高，平均为1215美元。该调查由YouGov于2025年4月在线开展，共有2440名成年人参与。
Each year, U.S. adults spend an average of $1,080 on subscriptions, according to a survey by CNET a media website focused on consumer technology. By generation, millennials spend the most annually, at an average $1,215. The survey was conducted online in April 2025 by YouGov and involved 2,440 adults.
调查发现，消费者每年平均在已经不再使用、但仍在扣费的订阅服务上花费205美元。
The survey found that consumers spend an average of $205 annually on subscriptions they no longer use.
2024年，美国联邦贸易委员会（FTC）平均每天收到近70起有关难以取消的订阅服务的消费者投诉，而2021年这一数字为每天42起，据该机构称。人工智能也可能为消费者提供一种处理 unwanted 订阅的新方式。例如，Meta的新人工智能代理Muse表示，它可以代表用户取消订阅。
In 2024, the FTC received an average of nearly 70 consumer complaints per day about hard-to-cancel subscriptions, up from 42 daily in 2021, according to the agency Artificial intelligence may also be giving consumers a new way to deal with unwanted subscriptions. For example, Meta 's new AI agent, Muse says it can cancel subscriptions on a user's behalf.
与此同时，Mon表示，超过一半的州出台了管理自动续订的规定。
Meanwhile, more than half of states have rules that govern automatic renewals, Mon said.
他说：“尽管各地存在一些差异，但这些法律通常处理的是相似的问题。”
"Although there are some variations, the laws generally address similar themes," he said.
Mon表示，这些法律通常要求预先披露关键条款、取得消费者同意并进行确认，同时提供便捷的取消方式。有些法律还要求发送续订提醒。
The laws typically require upfront disclosure of key terms, consumer consent and confirmation, and an easy way to cancel, Mon said. Some also require renewal reminders.
联邦层面进展如何？拜登政府于2024年10月敲定了全国性“一键取消”规则。该规则很快遭到多个商业和行业组织的法庭挑战，其中包括美国商会和美国独立商业联合会。
What's going on at the federal level The FTC finalized a national click-to-cancel rule in October 2024 under the Biden administration. It was quickly challenged in court by a range of business and trade groups, including the U.S. Chamber of Commerce and the National Federation of Independent Businesses.
在该规则于2025年7月中旬生效前约一周，美国第八巡回上诉法院以程序理由撤销了该规则。
About a week ahead of the rule taking effect in mid-July 2025, the Eighth Circuit Court of Appeals vacated it on procedural grounds.
然而，美国联邦贸易委员会（FTC）可能会再次尝试制定联邦规则。该机构在今年3月13日的一份公告中，就是否更新其存在数十年的《负面选项规则》（Negative Options Rule）征求了公众意见，其中包括是否采纳已被废除的“一键取消”规则中的条款。公众意见的提交截止日期为4月13日。
However, the FTC may make another attempt at a federal rule. In a March 13 notice this year, the agency sought public input on whether to update its decades-old Negative Options Rule, including whether to adopt provisions of the vacated click-to-cancel rule. Comments were due April 13.
鉴于该公告，莫恩表示：“美国联邦贸易委员会很可能会继续推进此事，但我们尚不清楚具体方式或时间。”
Given the notice, "it's likely that the FTC will move forward, but we don't know how or when," Mon said.
美国联邦贸易委员会很可能会继续推进此事，但我们尚不清楚具体方式或时间。
It's likely that the FTC will move forward, but we don't know how or when.
凯迪律师事务所（Kelley Drye & Warren）合伙人冈萨洛·莫恩（Gonzalo Mon）在此期间，美国联邦贸易委员会一直依据现有的联邦消费者保护法，继续对存在订阅违规行为的公司采取法律行动。
Gonzalo Mon Partner with Kelley Drye & Warren In the meantime, the FTC has continued to pursue companies over their subscription practices using existing federal consumer-protection laws.
例如，该机构于5月宣布与utterstock达成3500万美元的和解协议，起因是该公司涉嫌采取不公平和欺骗性做法，包括故意增加取消订阅的难度。
For example, the agency announced a $35 million settlement in May with Shutterstock over allegations of unfair and deceptive practices that included making subscriptions difficult to cancel.
此外，国会目前还有多项旨在授权“一键取消”规则的法案正在审议中，其中包括两党共同提出的法案。根据该法案的其他条款，提供订阅服务的企业将被要求提供简便的取消途径，并在免费或优惠期结束后向消费者收费之前获得其同意。
Additionally, several bills that seek to authorize click-to-cancel rules are pending in Congress, including the bipartisan and bicameral Among other provisions, the measure would require companies that offer subscriptions to provide easy cancellations and to get consumers' approval before charging them after a free or reduced-cost period.
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