S. 5272Senate118th Congress (2023-2025)In Committee

Protect Your Points Act of 2024

Introduced September 25, 2024

AI-Generated Summary

Updated January 20, 2026 at 7:26 PM UTC

The Protect Your Points Act of 2024 adds new consumer protections for frequent‑flyer programs and airline co‑branded credit cards. It requires covered airlines to disclose the cash value of points, ban point expirations, allow free transfers, show prices in both dollars and points, and give at least one‑year notice before any program changes. The rules apply to airlines that operate passenger flights under part 121 and offer a frequent‑flyer program.

Key Provisions

  • Airlines must prominently display the monetary value of one point/mile on every page of their website and update it in real time within 90 days of the law taking effect.
  • Points, miles, or other accrued value may not have expiration dates.
  • Consumers can transfer any amount of points to another member of the same program without limits or fees, and the transferred points must retain equal value.
  • Within one year, airlines must show both the dollar price and the points/miles price side‑by‑side on booking pages, without requiring users to toggle between them.
  • Within one year, airlines must allow purchases of airfare or add‑on services using any combination of cash and points/miles.
  • Airlines cannot change program terms or devalue points without giving consumers at least one year’s notice, and the Department of Transportation must coordinate with the CFPB on these notices.

Legislative Activity

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1 earlier action
SenateIntro Referral Latest Action

Read twice and referred to the Committee on Commerce, Science, and Transportation. (text: CR S6445-6446)

September 25, 2024

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SenateIntro Referral

Introduced in Senate

September 25, 2024

SenateIntro Referral

Read twice and referred to the Committee on Commerce, Science, and Transportation. (text: CR S6445-6446)

September 25, 2024

Floor Debate

4 members

What members said about S. 5272 on the floor

2 Republicans2 Democrats
Alex Padilla
Sen. Alex PadillaD-CA · Sep 25, 2024

Madam President, I rise to introduce the Freedom from Intimidation in Elections Act of 2024. This legislation would amend section 11(b) of the Voting Rights Act to establish a rebuttable presumption…

Richard J. Durbin
Sen. Richard J. DurbinD-IL · Sep 25, 2024

Madam President, I ask unanimous consent that the text of the bill be printed in the Record.

John Thune
Sen. John ThuneR-SD · Sep 25, 2024

Madam President, I ask unanimous consent that the text of the bill be printed in the Record.

Mitch McConnell
Sen. Mitch McConnellR-KY · Sep 25, 2024

Madam President, I ask unanimous consent that the text of the bill be printed in the Record.

Richard J. Durbin
Sen. Richard J. DurbinD-IL · Sep 25, 2024

Madam President, I ask unanimous consent that the text of the bill be printed in the Record.

Bill Text

Latest available legislative text

Reading Mode
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Introduced in SenateIssued September 25, 2024

II

118th CONGRESS

2d Session

S. 5272

IN THE SENATE OF THE UNITED STATES

September 25, 2024

Mr. Durbin introduced the following bill; which was read twice and referred to the Committee on Commerce, Science, and Transportation

A BILL

To 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.

1.

Short title

This Act may be cited as the Protect Your Points Act of 2024.

2.

Protections relating to frequent flyer programs and co-branded credit cards

(a)

In general

Chapter 423 of title 49, United States Code, is amended by adding at the end the following new section:

42309.

Protections relating to frequent flyer programs and co-branded credit cards

(a)

Protections related to points, miles, and other accrued value

(1)

Value disclosure

Not later than 90 days after the date of enactment of this section, each covered air carrier shall—

(A)

prominently display on each page of the website of the air carrier information regarding the financial value of one point, mile, or other accrued value promised or offered in connection with a frequent flyer program; and

(B)

update, in real time, any change to such information.

(2)

Expiration of points

A covered air carrier shall not place an expiration date on any points, miles, or other accrued value promised or offered in connection with a frequent flyer program.

(3)

Transfer of points

(A)

In general

A covered air carrier shall—

(i)

allow a consumer participating in a frequent flyer program to transfer any amount of points, miles, or other accrued value of the consumer to another participant (chosen by the consumer) of the same frequent flyer program; and

(ii)

guarantee that, with respect to any such transfer, the points, miles, or other accrued value remain equal in value once transferred.

(B)

Limitations

A covered air carrier shall not—

(i)

limit the number of points, miles, or other accrued value that a consumer may transfer to another participant of the frequent flyer program; or

(ii)

impose a fee or other penalty on the consumer in connection with such transfer.

(4)

Display of airfare value

Not later than 1 year after the date of enactment of this section, each covered air carrier shall display on any travel booking page of the website of the air carrier the cost of airfare or other add-on services both in dollar value and in the value of points, miles, or other accrued value promised or offered in connection with a frequent flyer program, in a manner that—

(A)

displays both values concurrently; and

(B)

does not require a consumer to alternate between such values to display both costs.

(5)

Airfare and add-on services transactions

Not later than 1 year after the date of enactment of this section, each covered air carrier shall offer to consumers the ability to purchase airfare or other add-on services in any combination of dollars and points, miles, or other accrued value promised or offered in connection with a frequent flyer program.

(b)

Consumer notice of changes to terms of service

(1)

Changes to terms of services

With respect to the terms of service, contract of carriage, or other customer agreement of any frequent flyer program or airline co-branded credit card of a covered air carrier, the covered air carrier shall not include any provision that reserves the right of the covered air carrier to make changes to the terms of service, contract of carriage, or other customer agreement without providing to the consumer at least 1 year of notice of any such change.

(2)

Notice to consumers

A covered air carrier shall not take any action that would allow the covered air carrier to devalue a consumer's accrued points, miles, or other accrued value promised or offered in connection with a frequent flyer program, including any action to decrease the dollar value, eliminate, reduce, suspend, forfeit, invalidate, impose new limits on the access, use, redemption, or validity, or impose new requirements or expense for the redemption or use of any such points, miles, or other accrued value unless the covered air carrier has provided to consumers not fewer than 1 year of notice of any such action.

(3)

Coordination with CFPB

In carrying out paragraphs (1) and (2), the Secretary shall coordinate with the Director of the Consumer Financial Protection Bureau, as necessary.

(c)

Definitions

In this section:

(1)

Add-on services

The term add-on services means any service that a consumer may add to a flight booking for an additional cost, or may purchase as an in-flight service, including seating options, baggage, beverages, food, early boarding, lounge access, internet or wifi access, or any other service determined appropriate by the Secretary.

(2)

Co-branded credit card

The term co-branded credit card means a credit card jointly offered by a covered air carrier in partnership with a credit card issuer, with an emphasis on rewarding brand loyalty.

(3)

Covered air carrier

The term covered air carrier means an air carrier conducting passenger operations under part 121 of title 14, Code of Federal Regulations, that offers a frequent flyer program.

(4)

Frequent flyer program

The term frequent flyer program means a program in which a covered air carrier promises or offers points, miles, or other accrued value for tickets purchased from the covered air carrier.

(5)

Secretary

The term Secretary means the Secretary of Transportation.

.

(b)

Clerical amendment

The analysis for chapter 423 of title 49, United States Code, is amended by inserting after the item relating to section 42308 the following:

42309. Protections relating to frequent flyer programs and co-branded credit cards.

.