If you've got flights booked to or within the United States, it's worth knowing that the rules around refunds and compensation are being quietly rewritten. The Trump administration is rolling back part of a Biden-era policy that required airlines to refund passengers whose flights were cancelled or significantly delayed, and the details matter for anyone who flies.

Under the FAA Reauthorization Act of 2024, the Department of Transportation obliged carriers to issue refunds for cancelled or badly delayed flights. Disruptions were tracked and sorted into categories — the airline's fault, extreme weather, National Aviation System issues, security, or a late-arriving aircraft. Now the DOT is exempting airlines from blame across ten specific types of disruption it classifies as outside their control.

Some of the exemptions are predictable: aircraft damaged by weather, debris or sabotage; airport closures from volcanic ash or wind shear; government system failures; cyberattacks where the airline followed federal security rules; and onboard medical emergencies. Others are more surprising. Unruly passengers being removed from a flight, overheated brakes after an emergency procedure, baggage system outages, and — most controversially — unscheduled maintenance will all now count as not the airline's problem.

That maintenance exemption is the one drawing fire from consumer advocates. Clint Henderson, managing editor of The Points Guy, called it a potentially big blow for customers, pointing out that a plane going mechanical is one of the most common reasons for delays. Even the DOT concedes the rule will likely reduce the total value of amenities and compensation airlines currently provide.

So what should travellers do? Henderson's advice is to get proactive. When an airline tells you a delay is 'mechanical' or 'operational', don't take the vague label at face value — ask exactly what the issue is, and document everything. Save emails and screenshots, keep receipts, and formally ask for the compensation you want even if you expect a no. With federal rules loosening, paper trails and persistence are becoming the main defence for your money.

The changes are framed by the DOT as sparing airlines financial and reputational damage over things they can't control. Airlines save; passengers, on the evidence so far, probably don't. If you're flying in the US this year, assume the safety net is thinner than it used to be — travel insurance, credit card protections and quick, well-documented claims are worth more than ever.