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#junk-fees

Junk Fees

Junk fee regulations, hidden fee bans, and all-in pricing compliance

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Colorado's Honest Pricing Law Is Now in Effect: What HB25-1090's All-In Price Rule Means for Your Business

Colorado's HB25-1090 took effect January 1, 2026, requiring any business that advertises a price to Colorado customers to show the maximum total including every mandatory fee, displayed more prominently than any other price. Violations are deceptive trade practices under the Colorado Consumer Protection Act — up to $20,000 per violation, treble damages in private suits, and 18% compounded interest on unlawful rental fees.

mike

junk-feesall-in-pricingpricing-transparency

When "Free" Isn't Free: What the FTC's $60 Million Instacart Settlement Means for Your Pricing, Guarantees, and Free Trials

The FTC's December 2025 Instacart settlement priced three common practices at $60 million in refunds — "free delivery" with a mandatory service fee, a satisfaction guarantee paid out in credits, and trials converting without express consent — and this checklist maps each allegation onto disclosure, guarantee, and ROSCA subscription rules small businesses must follow.

mike

complianceconsumer-protectionjunk-fees

Shift4's $2,000 Annual Service and Maintenance Fee: What Landed on Your August Statement

Shift4 folded the $250-per-device Annual Program Fee and the $325-per-device Regulatory Assurance Fee (capped at $975) into one roughly $2,000 Annual Service and Maintenance Fee starting with August 2026 statements. Here is how to reconstruct your baseline, dispute it within the 30-day window, price the exit before switching, and book the charge as merchant account fees accrued at about $167 a month.

mike

paymentspoint-of-salejunk-fees

NYC Banned Hidden Hotel Fees and Surprise Card Holds: A Compliance and Bookkeeping Guide

Since February 21, 2026, New York City requires hotels and short-term rental hosts to advertise an all-in total price including every mandatory fee, and to disclose credit card holds and advance deposits before the guest pays. Here is how the rule differs from the federal FTC junk-fee rule, what counts as mandatory, and how to keep room revenue, fee revenue, deposits, and incidental holds straight in your ledger.

mike

junk-feesall-in-pricingpricing-transparency
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