Timeshare companies must disclose all costs and offer 14-day exit window

What it does

This bill requires timeshare companies to provide consumers with a single, itemized document listing all costs (purchase and ongoing fees), explain which fees can change and how notice will be given, disclose exit options, and offer a 14-day penalty-free cancellation period. Consumers must also review all agreement documents without company supervision before signing. The FTC enforces violations as unfair or deceptive practices.

Why we flagged it

The bill's operative mechanism is a mandatory disclosure and cooling-off regime for timeshare sales, designed to address information asymmetry and high-pressure sales tactics that have long plagued the timeshare industry. It is straightforward consumer protection, not a subsidy, carve-out, or deregulation.

What the text implies

• The 14-day cancellation right may reduce timeshare company revenue if a material portion of buyers use it, potentially affecting secondary-market resale values and timeshare-backed securitizations.
• Mandatory fee-change notice requirements may increase administrative costs for timeshare operators, which could be passed to consumers through higher base prices or fees.
• The bill does not cap fee increases, only require notice and disclosure—timeshare companies retain pricing power but lose opacity.
• State law preemption is explicitly prohibited (subsection d), allowing states to impose stricter rules, creating a patchwork of timeshare regulations.

Section numbers refer to the bill text the analysis read — linked under Primary records below.

Who it affects

Timeshare buyers gain mandatory cost transparency, fee-change notice requirements, clear exit options, and a 14-day cancellation window—protections that address documented consumer complaints about hidden fees and high-pressure sales. The bill imposes compliance costs on sellers but no direct cost to consumers.

Named in the bill

Federal Trade Commission (FTC), Timeshare companies, Timeshare consumers

Where it stands

2 cosponsors: 1 Democrats, 1 Republicans.

• Dec 16, 2025 — Introduced · Congress.gov: “Introduced in Senate”
• Dec 16, 2025 — Referred to Senate Committee on Commerce, Science, and Transportation · Congress.gov: “Read twice and referred to the Committee on Commerce, Science, and Transportation”

Dates and quoted wording are Congress.gov's action record; the timeline shows status changes, not every procedural step.

Money around this bill

4 lobbying clients named this bill on 5 disclosure filings across 2 quarters, Dec 2025 to Jun 2026. Those filings disclosed $5,720,000 in lobbying spend. A filing names 2 bills on average, so that figure is what each filing reported, not a share belonging to this bill.

More lobbying clients named this bill than 72% of bills with at least one filing.

John Curtis, the sponsor, reported $431,000 in PAC receipts in the 2026 cycle.

• AARP — $5,300,000 on 1 filing
• American Resort Development Assn — $270,000 on 1 filing
• American Resort Development Association — $140,000 on 2 filings
• Wesley Financial Group, LLC — $10,000 on 1 filing

Lobbying Disclosure Act filings through Jul 20, 2026. A filing shows who paid to lobby on a bill it names, not what changed.