Oregon Gym and Subscription Cancellation Letter

Cancel a gym membership or an auto-renewing subscription in Oregon with a letter that builds in Oregon law, including Health spas (ORS 646A.030 to 646A.042). It runs in your browser; nothing you type is stored or sent.

Oregon rules checked against primary sources on October 21, 2026.

Everything you type stays in your browser. Nothing is sent, saved, or added to the page address.

Only the reasons Oregon law addresses for this kind of contract are listed.

Oregon gym membership rules

The law: Health spas (ORS 646A.030 to 646A.042). Read the law

Who it covers: The law covers businesses whose primary purpose is selling exercise, weight control or figure development services or use of exercise, tanning or sauna facilities, except facilities owned and operated by the State of Oregon or local governments; it has no prepaid or price threshold.

  • Cooling-off period: You can cancel without penalty by delivering or mailing written notice before midnight of the third business day after signing, and the spa must return all amounts paid within 15 days; business days exclude Sundays and legal holidays. Source: ORS 646A.034(7)
  • How the club must let you cancel: A cooling-off cancellation is a written notice, delivered or mailed to the spa's mailing address in the contract, saying you do not wish to be bound. Source: ORS 646A.034(7)
  • Disability or illness: A contract must allow cancellation if you become physically unable to use a substantial portion of the services you had been using, with a weekly pro rata refund; the contract may require confirmation by an exam by a physician both sides agree on. Source: ORS 646A.034(5)(a), (6)
  • Death of the member: A contract must allow cancellation if the buyer dies, with a refund for the weeks remaining in the term. Source: ORS 646A.034(5)(a), (6)
  • Club closes or moves: A contract must allow cancellation if the spa goes out of business, moves its location closest to your home more than five additional miles away, misses a promised completion date, or materially changes the promised services, with a weekly pro rata refund. Source: ORS 646A.034(5)(b)-(e)
  • Military service: A service member called to active service may terminate or suspend health spa or health club services by written notice with proof of the orders, with no penalty or fee. Source: ORS 399.242
  • Refund timing: After a 3-day cancellation the spa must return all amounts paid within 15 days; money paid before a facility opens must be fully refunded within 10 days of a cancellation notice or a missed opening date. Source: ORS 646A.034(7); 646A.038(6)

If a business will not process a cancellation, you can complain to: Oregon Department of Justice, Consumer Protection

Your details
The business

Use the cancellation address in your contract if it gives one; for a franchise gym, that is often your home club.

Leave blank to cancel immediately.

Check before you send:

  • Add the member name exactly as it appears on the account.
  • Add the business name.
  • Add the business mailing address (from your contract or the business website).

Your letter

[Member name]

[Your address]

October 26, 2026

[Business name]

[Business address]

Re: Cancellation of membership

To whom it may concern:

I am writing to cancel my membership, effective immediately.

Please stop all further charges to my payment method, refund any amount paid for a period after the cancellation takes effect, and confirm the cancellation in writing, including the date it took effect.

Please keep this letter with the account records. I am keeping a copy, with proof of the date it was sent.

Sincerely,

[Member name]

Before you send (not part of the letter)

  • Oregon: A cooling-off cancellation is a written notice, delivered or mailed to the spa's mailing address in the contract, saying you do not wish to be bound. (ORS 646A.034(7))
  • Refund timing in Oregon: After a 3-day cancellation the spa must return all amounts paid within 15 days; money paid before a facility opens must be fully refunded within 10 days of a cancellation notice or a missed opening date. (ORS 646A.034(7); 646A.038(6))
  • Send it in a way you can prove: a method your contract or state law names, and keep a copy. Certified mail with a return receipt gives you a dated record.
  • If charges continue after the cancellation takes effect, you can dispute them with your card issuer or bank (see the timing rules on this page).
  • Complaints: Oregon Department of Justice, Consumer Protection, https://justice.oregon.gov/consumercomplaints/
  • This letter is a starting point you edit and send yourself. It does not cancel anything by itself, and it is not legal advice.

Oregon gym membership cancellation law

Oregon regulates these contracts through Health spas (ORS 646A.030 to 646A.042) (ORS 646A.030, ORS 646A.034, ORS 646A.038). The rules below come from the statute text; each links to its source, and the first line says which contracts the law covers.

Oregon gym membership rules

The law: Health spas (ORS 646A.030 to 646A.042). Read the law

Who it covers: The law covers businesses whose primary purpose is selling exercise, weight control or figure development services or use of exercise, tanning or sauna facilities, except facilities owned and operated by the State of Oregon or local governments; it has no prepaid or price threshold.

  • Cooling-off period: You can cancel without penalty by delivering or mailing written notice before midnight of the third business day after signing, and the spa must return all amounts paid within 15 days; business days exclude Sundays and legal holidays. Source: ORS 646A.034(7)
  • How the club must let you cancel: A cooling-off cancellation is a written notice, delivered or mailed to the spa's mailing address in the contract, saying you do not wish to be bound. Source: ORS 646A.034(7)
  • Disability or illness: A contract must allow cancellation if you become physically unable to use a substantial portion of the services you had been using, with a weekly pro rata refund; the contract may require confirmation by an exam by a physician both sides agree on. Source: ORS 646A.034(5)(a), (6)
  • Death of the member: A contract must allow cancellation if the buyer dies, with a refund for the weeks remaining in the term. Source: ORS 646A.034(5)(a), (6)
  • Club closes or moves: A contract must allow cancellation if the spa goes out of business, moves its location closest to your home more than five additional miles away, misses a promised completion date, or materially changes the promised services, with a weekly pro rata refund. Source: ORS 646A.034(5)(b)-(e)
  • Military service: A service member called to active service may terminate or suspend health spa or health club services by written notice with proof of the orders, with no penalty or fee. Source: ORS 399.242
  • Refund timing: After a 3-day cancellation the spa must return all amounts paid within 15 days; money paid before a facility opens must be fully refunded within 10 days of a cancellation notice or a missed opening date. Source: ORS 646A.034(7); 646A.038(6)

If a business will not process a cancellation, you can complain to: Oregon Department of Justice, Consumer Protection

Oregon subscription and automatic renewal law

Oregon has a general automatic renewal law that applies to consumer subscriptions.

Oregon subscription and auto-renewal rules

The law: ORS 646A.292, ORS 646A.293, ORS 646A.295. Read the law

Who it covers: The law covers any automatic renewal or continuous service offer to an Oregon consumer buying for personal, family or household purposes, except regulated utilities and telecom, satellite TV, insurers, banks and credit unions, service contract sellers, and licensed consumer finance companies.

  • Required ways to cancel: The business must provide a toll-free number, an email address, a mailing address if it bills directly, or another cost-effective, timely and easy-to-use way to cancel, described in the acknowledgment. Source: ORS 646A.295(2)
  • Renewal reminders: Oregon requires no pre-renewal reminder, but a business must give clear notice of a material change in terms, with how to cancel, before the change takes effect. Source: ORS 646A.295(3)
  • Free trials: If the offer includes a free trial, the acknowledgment must explain how to cancel, and the business must allow cancellation before the consumer pays. Source: ORS 646A.295(1)(c)
  • If the business breaks the law: A business may not charge without the consumer's affirmative consent to the renewal terms, and goods sent without that consent are an unconditional gift the consumer need not return. Source: ORS 646A.295(1)(b), (5)

If a business will not process a cancellation, you can complain to: Oregon Department of Justice, Consumer Protection

Federal rules that still apply

No. The Federal Trade Commission finalized a "click to cancel" rule in 2024, but on July 8, 2025 the U.S. Court of Appeals for the Eighth Circuit vacated it because the agency skipped a preliminary regulatory analysis the FTC Act requires (Custom Communications, Inc. v. FTC, No. 24-3137 (8th Cir. 2025)). The vacatur brought back the original 1973 rule, which covers only "prenotification" plans such as product-of-the-month clubs, not gym memberships or most subscriptions.

In March 2026 the FTC asked for public comment on a new negative option rule. An advance notice is an early step: it does not create any new obligation for businesses. (FTC press release, March 11, 2026)

Federal law still reaches subscriptions sold online. For subscriptions sold online with automatic charges, federal law (ROSCA) requires clear disclosure of the terms, the consumer's express informed consent, and simple mechanisms to stop the recurring charges. (15 U.S.C. 8403). For gym memberships signed in person, the cancellation rules come from state law and your contract.

If they keep charging you

If a business keeps charging you after a cancellation took effect, you can dispute the charge with the company that issued your card or holds your account. For a credit card, a written billing-error notice must reach the card issuer, at the address it gives for billing errors, within 60 days after it sent the first statement showing the charge. (12 CFR 1026.13(b)) For a debit card or bank transfer, an oral or written error notice must reach the bank within 60 days after it sent the statement that first shows the charge. (12 CFR 1005.11(b)(1)(i))

For automatic debits from a bank account, you can also stop future payments. You can tell your bank to stop a preauthorized electronic payment from your account, orally or in writing, at least three business days before the payment is scheduled. If you call, the bank may require written confirmation within 14 days, and an unconfirmed oral stop order then lapses. (12 CFR 1005.10(c)(1)-(2))

Your copy of the cancellation letter and your proof of the date you sent it are the evidence for a dispute. The regulations define which errors these procedures cover and the card issuer or bank investigates, so send the dispute promptly and in writing.

You can also report a business that will not let you cancel to your state attorney general (each state page lists its complaint office), to the Federal Trade Commission, or, for a problem with a card or bank dispute, to the Consumer Financial Protection Bureau.

What this tool does not do

  • It does not cancel anything for you or contact the business. You send the letter yourself.
  • It cannot read your contract. A statute may exempt your club or plan (for example by price, length, or type of business), and your contract may give you more rights than the statute.
  • It does not tell you whether you owe a fee, a buyout, or the rest of a contract term. Those depend on your contract and the facts.
  • It covers state statutes and the main federal rules only. City rules and court decisions can add to them.
  • It is legal information, not legal advice.

Frequently Asked Questions

Is there a cooling-off period for gym memberships in Oregon?

You can cancel without penalty by delivering or mailing written notice before midnight of the third business day after signing, and the spa must return all amounts paid within 15 days; business days exclude Sundays and legal holidays. (ORS 646A.034(7))

Can I cancel my gym membership in Oregon if I move?

We found no Oregon statute that lets a gym member cancel because of a move. Your contract may allow it; read its cancellation section.

How do I cancel a gym membership in Oregon?

A cooling-off cancellation is a written notice, delivered or mailed to the spa's mailing address in the contract, saying you do not wish to be bound. (ORS 646A.034(7))

Does Oregon have a click-to-cancel law?

Oregon's automatic renewal law does not include an online cancellation requirement, by the text we checked. Federal law (ROSCA) still requires a simple way to stop recurring charges for subscriptions sold online.

Sources

Oregon rules checked against official sources on October 21, 2026.

Know someone who could use this? Share this free tool:

Share: