SubJustice
An AI subscription copilot that scans your inbox and bank for every auto-renew charge, flags the ones that would now violate NYC's new consumer protection rule, and sends a regulator-grade cancellation notice in one tap.
Consumers across the US, especially NYC, who suspect they're paying for forgotten or hard-to-cancel subscriptions
- Auto-scan email and bank: identify all recurring charges and their actual cancel difficulty
- Trap-score per subscription rating how predatory the renewal flow is under the new rule
- One-tap cancel generating a valid cancellation request citing NYC rule and applicable state laws
- Refund-recovery assistant writing demand letters for past wrongful charges
NYC's October 2026 rule carries $525 per-violation penalties and copycat bills in multiple states; consumers have a fresh legal hook to demand refunds and cancellations.
NYC Click-to-Cancel rule confirmed for Oct 1, 2026 with $525/violation penalties; 100+ cancellation complaints filed with NYC DCWP in 2025 alone; Consumer Reports cites $3,200/yr in hidden fees per family of four; HN story hit 354 points.Mayor Mamdani Announces Landmark 'Click-To-Cancel' Consumer Protection Rule ↗NYC Click-To-Cancel Law 2026: What Consumers Need to Know ↗
Field is crowded: Rocket Money (formerly Truebill), Trim, Bobby, Emma, Subbly, Billed, and Revolut already do subscription detection/cancellation; Rocket Money specifically rated 'best-in-class' for subscription detection — pure-play incumbents are well-funded.Best subscription trackers 2026: Rocket Money, Trim, Bobby, Emma, Revolut ↗Trim vs Rocket Money (formerly Truebill): Which Is Better? ↗
Proven willingness to pay: Rocket Money Premium runs $7–14/mo (or take-rate on negotiated savings), Trim takes ~33% of first-year savings; SubJustice can layer a contingency fee on $525/violation refund recovery, materially raising LTV per user.Rocket Money Review 2026: Is It Legit, Safe and Worth the Cost? ↗Is Rocket Money Free? — Pricing, Premium, and Every Fee ↗
NYC rule is finalized and locked to Oct 1, 2026, but federal Click-to-Cancel (FTC) was blocked and never took effect — a precedent that political/regulatory reversal is possible; copycat state bills search returned no concrete results yet, so expansion optionality is unproven.NYC Subscription Cancellation Rights 2026: Click-to-Cancel Truth ↗Click-to-Cancel Rule (NYC DCWP PDF) ↗
Gmail API + Plaid bank linking + NLP subscription detection is the proven Rocket Money/Trim stack and is buildable as an MVP; the differentiation (regulator-grade cancellation notices citing NYC Admin Code) requires vetted legal templates and jurisdiction-aware logic, adding non-trivial complexity but no hard blockers.Cancellation of Subscriptions - NYC Rules ↗Top 10 Best Subscription Tracking Software | Ranked for 2026 ↗