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For Android, you can require a password before any in-app purchases (or other purchases) are made. Just open the Play Store app, the tap the menu “button” on the top right - it’s three parallel horizontal lines - then select SETTINGS. Under the “USER CONTROLS” section, there is an option to “Require passwords for purchases.” It’s pretty easy to find and use, which is probably why the FCC is going after Amazon and not Google.