Protect Your Points Act of 2026

The Protect Your Points Act of 2026 would require airlines operating frequent flyer programs to provide consumers with more transparent information and protections regarding loyalty points and miles. Key provisions mandate that carriers display the financial value of points, show expiration dates (which would be prohibited), allow free transfers between members, and offer flexible payment options combining cash and points. The bill also requires airlines to provide at least one year of notice before changing program terms or devaluing accrued points, while implementing enhanced account security measures like multi-factor authentication. These rules would apply to all major U.S. airlines that offer frequent flyer programs and their co-branded credit card partnerships.