Protect Your Points Act of 2026

The Protect Your Points Act of 2026 aims to establish federal standards for how companies manage consumer loyalty programs, such as frequent flyer miles and credit card reward points. The legislation would likely restrict the ability of corporations to unilaterally expire points or significantly reduce their value without sufficient notice to the consumer. By creating these safeguards, the bill proposes to ensure that the rewards earned by everyday citizens through their spending and travel habits retain their promised purchasing power over time. If enacted, the bill would provide the federal government with greater oversight of the loyalty program industry. This could include requirements for clearer disclosure of terms and conditions, as well as potential limits on the fees associated with transferring or redeeming points. The bill seeks to treat these rewards more like a form of earned property rather than a discretionary perk that can be revoked at any time by the issuing company.