Most consumers have signed up for subscriptions, automatic deliveries, or free trials that convert into a paid subscription. In this episode of The Crypto Exchange, Carlin McCrory welcomes colleagues Mark Furletti and Jill Dolan to discuss legal and regulatory developments related to autorenewals — the recurring payments for these subscriptions. Our panel examines state and federal laws pertaining to negative option offers, including Section 5 of the FTC Act; recent actions by state attorneys general on autorenewal and cancellation policies; and how companies can ensure compliance with relevant requirements.

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Be on the lookout for our next episode of this podcast series.

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Photo of Carlin McCrory Carlin McCrory

Carlin is a regulatory, compliance, and payments attorney with experience representing financial institutions, fintechs, lenders, debt collectors, payment processors, neobanks, virtual currency companies, and mortgage servicers.

Photo of Mark Furletti Mark Furletti

Mark helps clients navigate regulatory risks posed by state and federal laws aimed at protecting consumers and small business, particularly in connection with credit, deposit, and payments products. He is a trusted advisor, providing practical legal counsel and advice to providers of financial

Mark helps clients navigate regulatory risks posed by state and federal laws aimed at protecting consumers and small business, particularly in connection with credit, deposit, and payments products. He is a trusted advisor, providing practical legal counsel and advice to providers of financial services across numerous industries.

Photo of Jill Dolan Jill Dolan

Jill focuses her practice on consumer financial services law, particularly on federal and state law compliance matters. She advises financial institutions, lenders, and sales finance companies in the development and maintenance of closed-end and open-end lending and other programs. Jill’s experience includes drafting…

Jill focuses her practice on consumer financial services law, particularly on federal and state law compliance matters. She advises financial institutions, lenders, and sales finance companies in the development and maintenance of closed-end and open-end lending and other programs. Jill’s experience includes drafting credit card agreements and marketing agreements, regulatory review of advertising, and development and marketing of new products, including credit cards, lines of credit, installment loans, retail installment contracts, and rental-purchase transactions. The matters she advises on include the Truth in Lending Act (TILA), the Fair Credit Reporting Act (FCRA), the Equal Credit Opportunity Act (ECOA), the Telephone Consumer Protection Act (TCPA), and the Electronic Fund Transfer Act (EFTA).