Arkansas Automatic Renewal Cancellation Letter

Introduction

Key Things to Know

1. 1

   Act 652 of 2025 placed Section 4-86-112 in Chapter 86 of Title 4, the Arkansas Code's consumer protection subtitle, and your letter ends either an automatic renewal, where a paid subscription or purchasing agreement is renewed at the end of a definite term for a subsequent term, or continuous service, which runs until the consumer cancels. Each definition in subsection (a) also sweeps in a free-to-pay conversion, so a free period that becomes a paid obligation unless you act is covered.

2. 2

   Offer terms are a defined phrase in subsection (a)(8): the clear and conspicuous disclosures that the agreement continues until cancelled, the cancellation policy, the recurring charges and whether they may change, the term length, and any minimum purchase obligation. Subsection (b) bars charging your card or third-party payment account without first obtaining your consent to them, and requires your express consent plus a retainable acknowledgment showing the terms and how to cancel.

3. 3

   Proof of your agreement has a shelf life. Subsection (b)(6) bars failing to maintain verification of the consumer's consent for at least three years, or one year after the contract is terminated, whichever period is longer. Subsection (b)(7) bars misrepresenting, expressly or by implication, any material fact about the transaction, including that it renews. Your letter can ask the business to identify the consent record it holds for you.

4. 4

   For a plan accepted online, subsection (e)(1) says the business shall allow termination exclusively online, at will, through a prominently located link or button in your account or settings, or a termination email it formats for you. A business may require you to sign in, but subsection (e)(4)(B) says a consumer unwilling or unable to authenticate online shall not be precluded from terminating offline under subsection (d), which lists a toll-free number, email address or postal address, or another easy-to-use mechanism.

5. 5

   Subsection (g)(1) keeps cancellation available in the medium in which you activated the plan, or the medium in which you usually deal with the business, naming in person, telephone, mail and email. Retention pitches are permitted under subsection (f) only if you can still finish: by phone you must first be told that saying "cancel" completes it, and online the offer must sit beside a "click to cancel" link or button.

6. 6

   Advance notice under subsection (c) depends on the plan's shape. An initial term of one year or longer brings notice 15 to 45 days before renewal. A free gift or trial, or a promotional or discounted price, lasting over 31 days brings notice 3 to 21 days before it expires, unless you did not contract electronically and the business holds no electronic contact for you. Subsection (i) adds a yearly reminder on annual plans, sent in the medium you activated in, naming the product, the charges and how to cancel.

7. 7

   Subsection (k) carves out a long list: persons under the Bank Commissioner, the Securities Commissioner, the Insurance Commissioner under the Arkansas Insurance Code or the Service Contracts Act, or the Arkansas Public Service Commission; Federal Communications Commission regulated persons other than satellite digital radio providers; municipal utilities supplying electricity, water, wastewater, cable television or broadband service; franchised providers; and private security entities regulated by the Division of Arkansas State Police.

Arkansas Requirements for Automatic Renewal Cancellation Letter

• A Plan That Fits the Section 4-86-112(a) Definitions

  Say whether the plan is an automatic renewal, renewed at the end of a definite term for a subsequent term, or continuous service that runs until you cancel, and note any free-to-pay conversion. Confirm you are an individual located in Arkansas buying for personal, family or household purposes.

• A Business Outside the Subsection (k) Exclusions

  Check that the business is not under the Bank, Securities or Insurance Commissioner, the Arkansas Public Service Commission or (apart from satellite digital radio) the Federal Communications Commission, and is not a municipal utility, a franchised service provider or a State Police regulated private security entity.

• How You Activated the Plan and When

  Record the date and the medium: website, app, telephone, in person, mail or email. Subsection (e) governs online acceptance and subsection (g)(1) makes cancellation available in the same medium used to activate the plan or the medium you usually use with the business.

• Your Consent Record Under Subsection (b)(6)

  The business is to keep verification of your consent for at least three years, or one year after the contract ends, whichever is longer. Note whether you recall giving express consent to the offer terms and whether you received a retainable acknowledgment showing how to cancel.

• Whether the Subsection (c)(1)(B) Renewal Notice Was Owed

  For an initial term of one year or longer, the notice is due at least 15 and not more than 45 days before renewal, stating the renewal, its terms, the costs, a way to cancel and the business's contact details. Give the renewal date and the date any notice arrived.

• Trial or Promotional Price Dates Under Subsection (c)(1)(A)

  Where a free gift or trial, or a promotional or discounted price, lasted more than 31 days, the notice is due at least 3 and at most 21 days before it expires, unless you did not contract electronically and the business has no electronic contact for you. List the start and end dates.

• Any Fee Change and the Subsection (h)(2) Notice

  For a change in the fee under accepted offer terms, notice and retainable cancellation information are due no less than 7 and no more than 30 days before the change takes effect. Give the old and new amounts and the date you learned of the change.

• The Deceptive Trade Practices Act Reference, Stated Factually

  Subsection (l) makes a violation an unfair or deceptive act or practice as defined by the Deceptive Trade Practices Act and gives the Attorney General that Act's remedies, penalties and authority to enforce it. Cite it without predicting an outcome. Attorney review is available as an option.