Automatic renewal law in Kentucky

We read KRS 365.400 to 365.408 on the state's official site and list what it requires below. A summary leaves out detail; the linked text is the authority.

In the law's own words:

• “shall allow that consumer to terminate the automatic renewal or continuous service offer exclusively online which may include a termination e-mail formatted and provided by the business” (KRS 365.402(3))
• “shall provide a toll-free telephone number, electronic mail address, postal address if the seller directly bills the consumer, or another cost-effective, timely, and easy-to-use mechanism for cancellation” (KRS 365.402(2))
• “Obtain the consumer's affirmative consent to the purchase agreement with the automatic renewal offer terms or continuous service offer terms” (KRS 365.402(1)(b))

The cancellation route differs by company; see Streaming services, Gym memberships, Software subscriptions and Hulu for the details we hold.

1. 1

   Check how you signed up

   Write down the date you signed up, how you did it and when the next charge is due. Those three facts decide which rule above applies to you.

2. 2

   Cancel the way the law allows

   If you signed up online, you must be able to cancel exclusively online, which may be a ready-made termination email. Businesses must also offer a toll-free number, email, postal address (if they bill you directly) or another easy mechanism. Save the confirmation screen or email.

3. 3

   Back it up with a letter

   A short letter that names KRS 365.400 to 365.408 and the date you are cancelling from gives you a dated record. The letter template generator lays it out for you.

4. 4

   If you are billed again

   Reply with your proof and the citation, ask for a refund, and if that fails, dispute the charge with your bank. See what to do when a company keeps charging you.

Kentucky's law tells the business which cancellation routes it must offer. A letter sent with tracking adds what an online click often lacks: a dated, third-party record that you asked to cancel, which card issuers and state consumer offices can check.

See certified mail for cancellations for the proof each mail service gives you.

The federal Restore Online Shoppers' Confidence Act requires online sellers using automatic renewals to provide simple mechanisms to stop recurring charges. The FTC's 2024 click-to-cancel amendments are not in force: on July 8, 2025 the Eighth Circuit vacated them (Custom Communications, Inc. v. FTC, No. 24-3137), on February 12, 2026, in a rule effective that day, the FTC recodified its Negative Option Rule "as it existed before the effective date" of the 2024 amendments (91 FR 6507), and on March 13, 2026 it asked for public comment on "the need for amendments" (91 FR 12318). Our state-by-state overview and the FTC click-to-cancel guide have the details.