Question 1

Are banks and credit unions covered by state auto-renewal laws?

Accepted Answer

No — banks, credit unions and their subsidiaries/affiliates are exempted by every encoded state auto-renewal law, including CA B&P §17605 and Va. Code §59.1-207.48.

Question 2

Are insurance companies covered by auto-renewal laws?

Accepted Answer

No — insurers are exempted by every encoded state ARL. A complaint about an insurance auto-renewal goes to your state insurance commissioner, not through a subscription-rights demand letter.

Question 3

Why are alarm/security companies exempt from these laws?

Accepted Answer

Alarm and security companies are exempted by the encoded ARLs — notably, they are also the industry that litigated and won the vacatur of the FTC’s click-to-cancel rule (Custom Communications v. FTC).

Question 4

Are airlines exempt from subscription cancellation laws?

Accepted Answer

Air carriers are explicitly exempt in Colorado (C.R.S. §6-1-732(5)); federal Airline Deregulation Act preemption makes airline subscription claims a decline everywhere else too.

Seller type	Why it’s exempt
`bank`	Banks, credit unions and their subsidiaries/affiliates are exempted by every encoded ARL (e.g. CA B&P §17605, Va. Code §59.1-207.48)
`credit_union`	Banks, credit unions and their subsidiaries/affiliates are exempted by every encoded ARL
`insurer`	Insurers are exempted by every encoded ARL
`regulated_utility`	Services regulated by a PUC/PSC and rates/terms filed with the FCC/FERC are exempted by every encoded ARL
`alarm_company`	Alarm/security companies are exempted by the encoded ARLs (they litigated the FTC rule and won: Custom Communications v. FTC)
`service_contract`	Service contracts (vehicle/home warranty class) are exempted by the encoded ARLs
`air_carrier`	Air carriers are exempt in Colorado (C.R.S. §6-1-732(5)); federal ADA preemption makes airline subscriptions a decline everywhere

Before you send a demand letter: is your seller even covered?

What to do if your seller is exempt