{
  "legislationId": "119_S_4244",
  "lastUpdate": "2026-04-13T15:00:26.788Z",
  "history": [
    {
      "timestamp": "2026-04-13T15:00:26.788Z",
      "source_url": "https://www.congress.gov/119/bills/s4244/BILLS-119s4244is.htm",
      "model": "gemini-flash-lite-latest",
      "prompt_sent": "\nROLE: Fact Checker.\nZADANIE: Porównaj SOURCE (oryginał) i SUMMARY (streszczenie przygotowane przez inne AI).\n\nTwoim celem jest wykrycie \"ZMYŚLONYCH KONKRETÓW\" (Fabricated Entities) w SUMMARY.\n\nSOURCE:\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [S. 4244 Introduced in Senate (IS)] <DOC> 119th CONGRESS 2d Session S. 4244 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. _______________________________________________________________________ IN THE SENATE OF THE UNITED STATES March 26, 2026 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. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Protect Your Points Act of 2026''. SEC. 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: ``SEC. 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 and mobile application 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; ``(B) in the case that any such financial value differs between various co-branded credit cards, or tiers or iterations of loyalty programs, display information regarding each differing financial value in a central location on the website and mobile application of the air carrier; and ``(C) update, in real time, any change to the information displayed pursuant to subparagraph (A) or (B). ``(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, except to protect a consumer from fraud or scams as prescribed by regulation; or ``(ii) impose a fee or other penalty on the consumer in connection with such transfer. ``(4) Fees for points.--A covered air carrier shall not impose a fee or other penalty on the consumer to access, use, redeem, or redeposit points, miles, or other accrued value. ``(5) Display of airfare value.-- ``(A) In general.--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 and mobile application of the air carrier-- ``(i) the cost of airfare or other ancillary fees 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; and ``(ii) in the case that any cost described in clause (i) differs between various co- branded credit cards, or tiers or iterations of loyalty programs, information regarding each such differing cost. ``(B) Manner.--An air carrier shall display the information required under subparagraph (A) in a manner that-- ``(i) displays all costs described in such subparagraph concurrently; and ``(ii) does not require a consumer to alternate between methods to display such costs. ``(C) Updates.--An air carrier shall update, in real time, any change to the information required to be displayed under subparagraph (A). ``(6) Display of redemption rates.--Not later than 1 year after the date of enactment of this section, each covered air carrier shall-- ``(A) display on a page of the website and mobile application of the air carrier the percentage rate of points, miles, or other accrued value that consumers successfully used or redeemed in the preceding 12 months; and ``(B) update such percentage rate on an annual basis. ``(7) Airfare and ancillary fee 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 ancillary fees in any combination of dollars and points, miles, or other accrued value promised or offered in connection with a frequent flyer program. ``(8) Account security.--Not later than 90 days after the date of enactment of this section, each covered air carrier shall-- ``(A) require multi-factor authentication for access to a frequent flyer program account; and ``(B) implement other reasonable data security protections as the Secretary may require. ``(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 and ftc.--In carrying out paragraphs (1) and (2), the Secretary shall coordinate with the Director of the Consumer Financial Protection Bureau and the Commissioners of the Federal Trade Commission, as necessary. ``(c) Definitions.--In this section: ``(1) Ancillary fee.--The term `ancillary fee' means any fee paid for 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 (including any program partner of such air carrier or a foreign airline partnership that includes such 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. ``(d) Regulations.--The Secretary may issue such regulations as may be necessary to implement this section.''. (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.''. <all>\n\nSUMMARY TO EVALUATE:\nTitle: Protect Your Points Act of 2026\nSummary: This bill establishes new consumer protections for airline frequent flyer programs and co-branded credit cards. It ensures that earned miles never expire and requires airlines to be transparent about the cash value of rewards.\nKey Points: Frequent flyer miles and points will no longer have expiration dates., Airlines must clearly display the dollar value of points on their websites and mobile apps., Consumers can transfer points to other participants for free without losing any value., Airlines must provide at least one year's notice before changing terms or devaluing points., Flights and fees can be purchased using any combination of cash and points., Mandatory multi-factor authentication for all frequent flyer accounts to improve security.\n\nZASADY OCENY:\n1. Sprawdź wszystkie LICZBY, DATY i KWOTY w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n2. Sprawdź wszystkie NAZWISKA, ORGANIZACJE i MIEJSCA w SUMMARY. Jeśli którejś brakuje w SOURCE -> is_valid: false.\n3. Sprawdź wszystkie konkretne DZIAŁANIA PRAWNE . Jeśli tego mechanizmu nie ma w SOURCE -> is_valid: false.\n\nWAŻNE: Abstrakcyjne pojęcia (np. \"transparentność\", \"zaufanie\") są dozwolone jako wnioski.\n\nOUTPUT (JSON):\n{\n  \"is_valid\": true/false,\n  \"issue\": \"fabricated_entity\" / \"contradiction\" / \"none\"\n}\n\nWYMAGANIA FORMATOWANIA:\n1. Odpowiedz WYŁĄCZNIE surowym obiektem JSON.\n2. NIE używaj bloków kodu Markdown.\n3. NIE dodawaj żadnych wstępów ani wyjaśnień przed ani po JSONie.\n4. JSON musi być poprawny i gotowy do parsowania.\n\n",
      "ai_response_raw": "{\n  \"is_valid\": true,\n  \"issue\": \"none\"\n}"
    },
    {
      "timestamp": "2026-04-13T14:27:40.456Z",
      "source_url": "https://www.congress.gov/119/bills/s4244/BILLS-119s4244is.htm",
      "model": "gemini-flash-latest",
      "prompt_sent": "\nJesteś ekspertem od prawa Stanów Zjednoczonych, który ma za zadanie analizować dokumenty ustaw, uchwał oraz innych dokumentów legislacyjnych, a następnie przygotowywać z nich informacje w przystępny sposób dla obywateli. Twoim celem jest przedstawienie informacji tak, aby obywatele mogli sami ocenić wpływ legislacji na ich życie, nawet bez posiadania specjalistycznej wiedzy legislacyjnej. Skup się na faktach i obiektywnych skutkach wprowadzanych zmian, unikając wartościowania i osobistych opinii. Wszelki żargon prawny jest zabroniony. Prezentuj informacje w jasny, zwięzły i angażujący sposób, tak aby były zrozumiałe dla osoby bez wykształcenia prawniczego. Unikaj długich, złożonych zdań. Zamiast pisać \"projekt ma na celu nowelizację kodeksu podatkowego...\", napisz \"Zmiany w podatkach: nowe ulgi i obowiązki dla...\". Kontynuuj swoją pracę, dopóki nie rozwiążesz swojego zadania. Jeśli nie masz pewności co do generowanej treści, przeanalizuj dokument ponownie – nie zgaduj. Rozplanuj dobrze swoje zadanie przed przystąpieniem do niego. W podsumowaniu i kluczowych punktach, jeśli to możliwe i uzasadnione, podkreśl, jakie konkretne korzyści lub skutki (pozytywne lub negatywne) wprowadza ustawa dla życia codziennego obywateli, ich praw i obowiązków, finansów osobistych, bezpieczeństwa i innych ważnych kwestii (np. kategorycznych zakazów i nakazów czy najważniejszych konkretnych alokacji finansowych i terytorialnych).\n\nTwoja odpowiedź MUSI być w formacie JSON - i zawierać następujące klucze.\nZanim zwrócisz odpowiedź, dokładnie zweryfikuj, czy cała struktura JSON jest w 100% poprawna, włącznie ze wszystkimi przecinkami, nawiasami klamrowymi, kwadratowymi oraz cudzysłowami. Błędny JSON jest nieakceptowalny i uniemożliwi przetworzenie Twojej pracy.\n\nPrzeanalizuj dokładnie poniższy tekst dokumentu prawnego. To jest treść, na podstawie której masz wygenerować podsumowanie i kluczowe punkty:\n--- POCZĄTEK DOKUMENTU ---\n[Congressional Bills 119th Congress] [From the U.S. Government Publishing Office] [S. 4244 Introduced in Senate (IS)] <DOC> 119th CONGRESS 2d Session S. 4244 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. _______________________________________________________________________ IN THE SENATE OF THE UNITED STATES March 26, 2026 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. Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled, SECTION 1. SHORT TITLE. This Act may be cited as the ``Protect Your Points Act of 2026''. SEC. 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: ``SEC. 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 and mobile application 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; ``(B) in the case that any such financial value differs between various co-branded credit cards, or tiers or iterations of loyalty programs, display information regarding each differing financial value in a central location on the website and mobile application of the air carrier; and ``(C) update, in real time, any change to the information displayed pursuant to subparagraph (A) or (B). ``(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, except to protect a consumer from fraud or scams as prescribed by regulation; or ``(ii) impose a fee or other penalty on the consumer in connection with such transfer. ``(4) Fees for points.--A covered air carrier shall not impose a fee or other penalty on the consumer to access, use, redeem, or redeposit points, miles, or other accrued value. ``(5) Display of airfare value.-- ``(A) In general.--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 and mobile application of the air carrier-- ``(i) the cost of airfare or other ancillary fees 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; and ``(ii) in the case that any cost described in clause (i) differs between various co- branded credit cards, or tiers or iterations of loyalty programs, information regarding each such differing cost. ``(B) Manner.--An air carrier shall display the information required under subparagraph (A) in a manner that-- ``(i) displays all costs described in such subparagraph concurrently; and ``(ii) does not require a consumer to alternate between methods to display such costs. ``(C) Updates.--An air carrier shall update, in real time, any change to the information required to be displayed under subparagraph (A). ``(6) Display of redemption rates.--Not later than 1 year after the date of enactment of this section, each covered air carrier shall-- ``(A) display on a page of the website and mobile application of the air carrier the percentage rate of points, miles, or other accrued value that consumers successfully used or redeemed in the preceding 12 months; and ``(B) update such percentage rate on an annual basis. ``(7) Airfare and ancillary fee 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 ancillary fees in any combination of dollars and points, miles, or other accrued value promised or offered in connection with a frequent flyer program. ``(8) Account security.--Not later than 90 days after the date of enactment of this section, each covered air carrier shall-- ``(A) require multi-factor authentication for access to a frequent flyer program account; and ``(B) implement other reasonable data security protections as the Secretary may require. ``(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 and ftc.--In carrying out paragraphs (1) and (2), the Secretary shall coordinate with the Director of the Consumer Financial Protection Bureau and the Commissioners of the Federal Trade Commission, as necessary. ``(c) Definitions.--In this section: ``(1) Ancillary fee.--The term `ancillary fee' means any fee paid for 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 (including any program partner of such air carrier or a foreign airline partnership that includes such 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. ``(d) Regulations.--The Secretary may issue such regulations as may be necessary to implement this section.''. (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.''. <all>\n--- KONIEC DOKUMENTU ---\n\nPAMIĘTAJ: Twoja odpowiedź MUSI być wyłącznie poprawnym obiektem JSON. Nie dodawaj żadnych dodatkowych znaków, komentarzy ani tekstu przed znacznikiem '{' ani po znaczniku '}'. Cała odpowiedź musi być parsowalna jako JSON.\nNa podstawie POWYŻSZEGO dokumentu, wypełnij poniższą strukturę JSON:\nOto struktura JSON, której oczekuję (wypełnij ją treścią):\n{\n  \"pl_ai_title\": \"Nowy, krótki tytuł dla aktu prawnego po polsku, oddający sedno wprowadzanych zmian (np. maksymalnie 10-12 słów).\",\n  \"pl_summary\": \"2-3 zdania zwięzłego podsumowania treści aktu prawnego po polsku, napisane z perspektywy wpływu na życie codzienne obywateli.\",\n  \"pl_key_points\": [\n    \"Pierwszy krótki punkt po polsku dotyczący najważniejszych wprowadzanych rozwiązań lub zmian.\",\n    \"Drugi krótki punkt po polsku...\"\n  ],\n  \"eng_ai_title\": \"A new, short title for the legal act in English, capturing the essence of the changes (e.g., max 10-12 words).\",\n  \"eng_summary\": \"2-3 sentences summarizing the legal act in English, from the perspective of its impact on citizens' daily lives.\",\n  \"eng_key_points\": [\n    \"First short bullet point in English regarding the most important solutions or changes being introduced.\",\n    \"Second short bullet point in English...\"\n  ],\n  \"de_ai_title\": \"Ein neuer, kurzer Titel für das Rechtsdokument auf Deutsch, der den Kern der Änderungen erfasst (z.B. max. 10-12 Wörter).\",\n  \"de_summary\": \"2-3 Sätze Zusammenfassung des Rechtsdokuments auf Deutsch, aus der Perspektive seiner Auswirkungen auf das tägliche Leben der Bürger.\",\n  \"de_key_points\": [\n    \"Erster kurzer Stichpunkt auf Deutsch zu den wichtigsten eingeführten Lösungen oder Änderungen.\",\n    \"Zweiter kurzer Stichpunkt auf Deutsch...\"\n  ],\n  \"fr_ai_title\": \"Un nouveau titre court pour l'acte juridique en français, saisissant l'essence des changements (par exemple, 10-12 mots maximum).\",\n  \"fr_summary\": \"Résumé de 2-3 phrases de l'acte juridique en français, du point de vue de son impact sur la vie quotidienne des citoyens.\",\n  \"fr_key_points\": [\n    \"Premier court point en français concernant les solutions ou changements les plus importants introduits.\",\n    \"Deuxième court point en français...\"\n  ],\n  \"es_ai_title\": \"Un nuevo título breve para el acto jurídico en español, que recoja la esencia de los cambios (por ejemplo, máximo 10-12 palabras).\",\n  \"es_summary\": \"Resumen de 2-3 frases del acto jurídico en español, desde la perspectiva de su impacto en la vida cotidiana de los ciudadanos.\",\n  \"es_key_points\": [\n    \"Primer punto breve en español sobre las soluciones o cambios más importantes que se introducen.\",\n    \"Segundo punto breve en español...\"\n  ],\n  \"it_ai_title\": \"Un nuovo titolo breve per l'atto giuridico in italiano, che colga l'essenza delle modifiche (ad es. massimo 10-12 parole).\",\n  \"it_summary\": \"Riepilogo di 2-3 frasi dell'atto giuridico in italiano, dal punto di vista del suo impatto sulla vita quotidiana dei cittadini.\",\n  \"it_key_points\": [\n    \"Primo breve punto in italiano riguardante le soluzioni o le modifiche più importanti introdotte.\",\n    \"Secondo breve punto in italiano...\"\n  ],\n  \"nl_ai_title\": \"Een nieuwe, korte titel voor de rechtshandeling in het Nederlands, die de essentie van de wijzigingen weergeeft (bijv. max. 10-12 woorden).\",\n  \"nl_summary\": \"Samenvatting van 2-3 zinnen van de rechtshandeling in het Nederlands, vanuit het perspectief van de impact op het dagelijks leven van burgers.\",\n  \"nl_key_points\": [\n    \"Eerste korte punt in het Nederlands betreffende de belangrijkste geïntroduceerde oplossingen of wijzigingen.\",\n    \"Tweede korte punt in het Nederlands...\"\n  ],\n  \"pt_ai_title\": \"Um novo título curto para o ato jurídico em português, capturando a essência das mudanças (por exemplo, máx. 10-12 palavras).\",\n  \"pt_summary\": \"Resumo de 2-3 frases do ato jurídico em português, na perspetiva do seu impacto na vida quotidiana dos cidadãos.\",\n  \"pt_key_points\": [\n    \"Primeiro ponto curto em português sobre as soluções ou alterações mais importantes introduzidas.\",\n    \"Segundo ponto curto em português...\"\n  ],\n  \"category\": [\"Categorize the document into one category by default, based on the field it primarily concerns. Choose up to 3 if the document also touches upon SIGNIFICANT issues from other categories. You MUST select categories ONLY from the following list: Health, Education, Family, Taxes, Labor, Security, Environment, Courts and Law, Transport, Benefits, Real Estate, Media and Culture, Local Government, Migration, Agriculture, Public Investments, Informatization, Economy. If the document does not definitively fit any of these, you MUST use \"Other\". If you use \"Other\", it should be the ONLY category selected. Do NOT invent new categories. The response must be an array of strings, e.g., [\"Taxes\", \"Family\"].\"]\n}\n\n",
      "ai_response_raw": "{\n  \"pl_ai_title\": \"Ustawa o ochronie punktów lojalnościowych i mil lotniczych 2026\",\n  \"pl_summary\": \"Ustawa wprowadza nowe zasady ochrony dla uczestników programów lojalnościowych linii lotniczych i posiadaczy powiązanych kart kredytowych. Gwarantuje ona, że zebrane mile nie wygasną, a ich wartość finansowa będzie jasno określona i chroniona przed nagłymi zmianami.\",\n  \"pl_key_points\": [\n    \"Zakaz wygasania punktów i mil lotniczych zgromadzonych w programach lojalnościowych.\",\n    \"Obowiązek informowania o realnej wartości pieniężnej jednego punktu na stronach i w aplikacjach linii lotniczych.\",\n    \"Możliwość darmowego przesyłania punktów innym osobom bez utraty ich wartości.\",\n    \"Wymóg rocznego uprzedzenia pasażerów o jakichkolwiek zmianach w regulaminie lub obniżeniu wartości punktów.\",\n    \"Możliwość płacenia za bilety i usługi dodatkowe dowolną kombinacją gotówki oraz punktów.\",\n    \"Wprowadzenie obowiązkowego dwuetapowego logowania (MFA) dla lepszej ochrony kont pasażerów.\"\n  ],\n  \"eng_ai_title\": \"Protect Your Points Act of 2026\",\n  \"eng_summary\": \"This bill establishes new consumer protections for airline frequent flyer programs and co-branded credit cards. It ensures that earned miles never expire and requires airlines to be transparent about the cash value of rewards.\",\n  \"eng_key_points\": [\n    \"Frequent flyer miles and points will no longer have expiration dates.\",\n    \"Airlines must clearly display the dollar value of points on their websites and mobile apps.\",\n    \"Consumers can transfer points to other participants for free without losing any value.\",\n    \"Airlines must provide at least one year's notice before changing terms or devaluing points.\",\n    \"Flights and fees can be purchased using any combination of cash and points.\",\n    \"Mandatory multi-factor authentication for all frequent flyer accounts to improve security.\"\n  ],\n  \"de_ai_title\": \"Gesetz zum Schutz von Treuepunkten und Flugmeilen 2026\",\n  \"de_summary\": \"Dieses Gesetz führt neue Schutzmaßnahmen für Teilnehmer von Vielfliegerprogrammen und Inhaber von Kreditkarten ein. Es stellt sicher, dass gesammelte Meilen nicht verfallen und deren Geldwert für Verbraucher transparent dargestellt wird.\",\n  \"de_key_points\": [\n    \"Flugmeilen und Punkte in Treueprogrammen dürfen nicht mehr ablaufen.\",\n    \"Fluggesellschaften müssen den Geldwert von Punkten auf ihren Webseiten deutlich anzeigen.\",\n    \"Kostenlose Übertragung von Punkten an andere Teilnehmer ohne Wertverlust möglich.\",\n    \"Einjährige Vorankündigungsfrist bei Änderungen der Bedingungen oder Punktabwertungen.\",\n    \"Bezahlung von Flügen durch eine beliebige Kombination aus Geld und Punkten möglich.\",\n    \"Einführung einer verpflichtenden Multi-Faktor-Authentifizierung für den Kontozugriff.\"\n  ],\n  \"fr_ai_title\": \"Loi de 2026 sur la protection des points de fidélité\",\n  \"fr_summary\": \"Cette loi instaure de nouvelles protections pour les membres des programmes de fidélité des compagnies aériennes. Elle garantit que les miles accumulés n'expirent jamais et impose une transparence totale sur leur valeur financière.\",\n  \"fr_key_points\": [\n    \"Interdiction de l'expiration des points et des miles aériens accumulés.\",\n    \"Obligation d'afficher clairement la valeur monétaire des points sur les sites et applications.\",\n    \"Transfert gratuit de points vers d'autres membres sans perte de valeur.\",\n    \"Préavis d'un an obligatoire avant toute modification des conditions ou dévaluation des points.\",\n    \"Possibilité de payer les billets et frais avec un mélange d'argent et de points.\",\n    \"Sécurisation des comptes par l'authentification multi-facteurs obligatoire.\"\n  ],\n  \"es_ai_title\": \"Ley de Protección de Puntos y Millas Aéreas de 2026\",\n  \"es_summary\": \"Esta ley establece nuevas protecciones para los usuarios de programas de viajero frecuente y tarjetas de crédito asociadas. Asegura que las millas no caduquen y obliga a las aerolíneas a ser transparentes sobre el valor real de los puntos.\",\n  \"es_key_points\": [\n    \"Las millas y puntos de viajero frecuente ya no tendrán fecha de caducidad.\",\n    \"Las aerolíneas deben mostrar claramente el valor en dólares de los puntos en sus plataformas.\",\n    \"Transferencia gratuita de puntos a otras personas sin pérdida de valor ni penalizaciones.\",\n    \"Aviso previo de un año antes de cambiar los términos del servicio o devaluar los puntos.\",\n    \"Opción de pagar vuelos y servicios adicionales combinando dinero en efectivo y puntos.\",\n    \"Requisito de autenticación de múltiples factores para proteger las cuentas de los usuarios.\"\n  ],\n  \"it_ai_title\": \"Legge del 2026 sulla protezione dei punti e delle miglia\",\n  \"it_summary\": \"Questa legge introduce nuove tutele per i partecipanti ai programmi fedeltà delle compagnie aeree. Garantisce che le miglia non scadano e che il loro valore economico sia chiaramente visibile e protetto da cambiamenti improvvisi.\",\n  \"it_key_points\": [\n    \"Divieto di scadenza per i punti e le miglia aeree accumulati.\",\n    \"Obbligo di indicare chiaramente il valore monetario dei punti su siti e app delle compagnie.\",\n    \"Trasferimento gratuito dei punti ad altri utenti senza alcuna perdita di valore.\",\n    \"Preavviso di un anno per qualsiasi modifica ai termini o svalutazione dei punti.\",\n    \"Possibilità di acquistare voli e servizi usando una combinazione di contanti e punti.\",\n    \"Obbligo di autenticazione a più fattori per garantire la sicurezza degli account.\"\n  ],\n  \"nl_ai_title\": \"Wet Bescherming van Punten en Miles 2026\",\n  \"nl_summary\": \"Deze wet voert nieuwe beschermingsregels in voor deelnemers aan loyaliteitsprogramma's van luchtvaartmaatschappijen. Het zorgt ervoor dat gespaarde mijlen niet verlopen en dat de financiële waarde ervan transparant is voor de burger.\",\n  \"nl_key_points\": [\n    \"Punten en vliegmijlen in loyaliteitsprogramma's mogen niet langer verlopen.\",\n    \"Luchtvaartmaatschappijen moeten de geldwaarde van punten duidelijk vermelden op hun website.\",\n    \"Gratis overdracht van punten naar andere deelnemers zonder waardeverlies.\",\n    \"Een jaar van tevoren aankondigen van wijzigingen in de voorwaarden of waardevermindering.\",\n    \"Betaling van vluchten en extra kosten mogelijk met een combinatie van geld en punten.\",\n    \"Verplichte meerstapsverificatie (MFA) voor een betere beveiliging van gebruikersaccounts.\"\n  ],\n  \"pt_ai_title\": \"Lei de Proteção de Pontos e Milhas Aéreas de 2026\",\n  \"pt_summary\": \"Esta lei estabelece novas proteções para os participantes de programas de milhagem e cartões de crédito parceiros. Garante que as milhas não expirem e exige transparência total sobre o valor financeiro dos pontos acumulados.\",\n  \"pt_key_points\": [\n    \"Proibição da expiração de pontos e milhas aéreas em programas de fidelidade.\",\n    \"Obrigatoriedade de exibir claramente o valor monetário dos pontos em sites e aplicativos.\",\n    \"Transferência gratuita de pontos para outros participantes sem perda de valor.\",\n    \"Aviso prévio de um ano para qualquer alteração nos termos ou desvalorização de pontos.\",\n    \"Possibilidade de pagar voos e taxas com qualquer combinação de dinheiro e pontos.\",\n    \"Implementação obrigatória de autenticação de dois fatores para segurança das contas.\"\n  ],\n  \"category\": [\"Transport\", \"Economy\"]\n}"
    }
  ]
}