cancellation receipt · FTC · 2026-10-04
Count Three Cooling-Off Business Days
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Example result
Cancel by midnight on 2026-10-08.
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The buyer has until midnight of the third business day after the sale date.
Saturday counts. Sunday does not. That is the detail a calendar app often gets wrong.
- Sale date: 2026-10-05.
- Location floor: $25.00. Price is covered.
- Third business day: 2026-10-08.
What would change this
A different sale date changes the deadline. A Sunday or a named holiday is not a business day. A Saturday is a business day unless it is a named holiday.
Next step
Cancel in writing. The seller has 10 business days after notice to refund. Keep a copy of the cancellation.
Cancel in writing before midnight on the third business day. Keep a copy.
This tool gives general information. It is not legal advice. Laws differ by state and change. Check the result with a licensed attorney or a legal aid office before you act.
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Show the working
- Sources: FTC cooling-off rule, 16 CFR Part 429, as described in the 1995 and 2015 Federal Register notices, checked 2026-10-04.
- Business day in the rule text: any calendar day except Sunday and New Year's Day, Washington's Birthday, Memorial Day, Independence Day, Labor Day, Columbus Day, Veterans Day, Thanksgiving, and Christmas.
- This tool uses the 2026 calendar dates of those named holidays. It does not add Juneteenth, because that day is not in the named list.
Data as of 2026-10-04. Source: FTC — Cooling-off rule notices.
What this does not cover
- The holiday list is the list in the rule text. Juneteenth is not in that named list.
- The seller has 10 business days after notice to refund.
- Confirm the contract is the kind of sale the rule covers.
This tool gives general information. It is not legal advice. Laws differ by state and change. Check the result with a licensed attorney or a legal aid office before you act.
Cancel in writing before midnight on the third business day. Keep a copy.