Sponsor
Richard Joseph Durbin
Senator · D-IL
Senator · D-IL
Requires airlines to disclose point values, ban expirations/most fees, allow free transfers, require dollar-and-points pricing, show redemption rates, enforce security, and require 1-year notice before devaluations.
Official title: Amend chapter 423 of title 49, United States Code, to provide protections with respect to frequent flyer programs and co-branded credit cards, and for other purposes.
Introduced March 26, 2026 by Richard Joseph Durbin · Last progress March 26, 2026
Establishes new federal consumer protections for airline frequent flyer programs and related co-branded credit cards. The bill requires clear, real-time disclosure of the monetary value of points/miles, bans expirations and many fees, mandates transferability without fees (subject to fraud prevention), requires display of prices in both dollars and points, publishes historical redemption success rates, offers mixed dollar-and-points purchases, strengthens account security, and forbids short-notice unilateral devaluations without at least one year notice. The Department of Transportation must coordinate with the CFPB and FTC and write regulations to implement these requirements, with several provisions phased in over 90 days and one year.