MN SF3920

Amends club membership cancellation and termination rights, allowing members to cancel within 3 business days and terminate at any time without fees through multiple methods (in-person, phone, mail, email, or online).

Requires clubs to provide contracts with conspicuous notices (14-point boldface minimum) explaining members' rights to cancel and terminate, with specific contact information for providing notice.

Establishes new regulations for "indefinite subscription agreements" (auto-renewing or continuous service contracts) requiring clear disclosure of offer terms, recurring charges, and cancellation policies before consumer consent.

Prohibits sellers from charging before agreement authorization, requiring a right of first refusal, making abusive retention tactics, or offering incentives to prevent cancellation without prior consumer permission.

Requires websites with subscription management to include a simple online termination election option; exempts agreements governed by other state/federal law and certain licensed professions (insurance, utilities, financial services).