The Protect Your Points Act of 2026 would add a new section to federal aviation law giving rules for airline frequent flyer programs and co-branded credit cards. It requires covered airlines to show the dollar value of one point or mile on their websites and apps, update that value in real time, and show different values if they vary by card or loyalty tier. The bill would ban expiration dates on points and stop airlines from charging fees to access, use, redeem, or redeposit points. It would require airlines to let consumers transfer points to other program members without limits or transfer fees (except to prevent fraud) and to keep transferred points the same value. Airlines would need to display airfare and ancillary fees both in dollars and in points, show the percentage of points successfully redeemed in the prior 12 months, offer buying options that mix dollars and points, and require multi-factor authentication for frequent flyer accounts. The bill also requires at least one year notice before changing terms that would devalue points or alter customer agreements and lets the Transportation Secretary write regulations and coordinate with the CFPB and FTC.
No publicly available information on estimated costs to the federal government, airlines, or consumers appears in the bill text. The bill does authorize the Secretary of Transportation to issue regulations, which could affect implementation costs, but the text does not provide estimates.
No publicly available information on proponents' arguments or Congressional findings appears in the bill text or metadata provided.
No publicly available information on opponents' arguments appears in the bill text or metadata provided.