The Consumer Online Payment Transparency and Integrity Act aims to enhance consumer protections against deceptive practices related to automatic renewal contracts and free-to-pay conversions. It mandates that businesses clearly and conspicuously disclose all automatic renewal provisions, including free-to-pay conversion features and negative option features, within the contract itself, along with the procedure for cancellation. For contracts with automatic renewal, businesses must notify consumers at least seven days before each renewal period, providing details on how to easily cancel. This notification must include an online cancellation mechanism and other cost-effective options like a toll-free number or email. Crucially, the bill requires businesses to obtain the consumer's express informed consent annually before charging for an automatic renewal. Special provisions apply if a consumer has not used a service for six consecutive months, requiring renewed express consent and notification of refund rights. For free trials, consumers must be notified at least seven days before the trial ends that they will be charged, and businesses must obtain express informed consent before converting to a paid subscription. Any violation of these disclosure, notification, or consent requirements renders the automatic renewal provision void, leading to contract termination and requiring the business to issue a refund for all amounts paid due to the violation. The bill also explicitly states that consent obtained through dark patterns , which subvert user autonomy or decision-making, will not be considered express informed consent. The Federal Trade Commission (FTC) is tasked with enforcing this Act, treating violations as unfair or deceptive acts or practices under the Federal Trade Commission Act. The FTC is also authorized to promulgate necessary rules to carry out the Act's provisions and prevent deceptive practices related to free trials and automatic renewals.