Minnesota · a law firm's site, not a government one
What 139 consumer contracts say about arbitration. We read them.
139 consumer agreements captured and verified; all 3,264 credit-card agreements in the CFPB's 2026 Q2 bulk collection scanned; 171,546 AAA consumer claim-rows, filed November 29, 2010 to June 5, 2026, recomputed.
139 consumer contracts, 171,546 arbitration claims, and a forum almost nobody uses
What the report found
Amazon carried no arbitration clause for roughly five years and put one back in the version of its Conditions of Use dated August 14, 2026, which we captured on September 19, 2026.
A court, not an arbitrator, decides whether the clause is enforceable more often than you would think — but not most of the time.
When a consumer arbitration at AAA actually reaches an award, the business usually wins.
Almost nothing reaches an award.
Of the 110 documents that contain an arbitration clause, 51 let a consumer opt out of arbitration within a stated window — and the exceptions matter more than the number.
Of the 110 documents that contain an arbitration clause, 5 attach the all-or-nothing tripwire not to the class-action waiver but to the batching machinery.
The two largest U.S. retail banks describe the same mass-arbitration gatekeeper in materially identical language.
Some of these clauses are genuinely better than court, and a report that hid that would not be worth reading.
Mass-filing machinery is new, the curve is steep, and the number keeps coming out the same.
Minnesota cannot see any of this, because Minnesota has never required anyone to say.
The method
Every figure traces to a document
Captured, not summarized
Every quotation from a company contract in the clause database is matched by a script to a hashed, dated capture of that contract. Court records, statutes and agency publications are cited to the source they came from.
Public data, recomputed
Where a regulator or an arbitration provider publishes a bulk file, we recompute the figure rather than repeat someone else's summary of it.
Read the whole page
Methodology lists what was captured, how it was verified, and its limits.
Where to start
Read the report, or read how it was built.
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