I won’t try to predict what DVC’s next steps will be, however I see evidence that things started changing this spring,
1) they announced you could transfer banked & borrowed points - let’s call that the carrot & behind the scenes, unannounced, they ended their practice of allowing members with more than one membership to transfer more than once which was a rule they’d been ignoring in those cases - let’s call that the stick. Allegedly that decision to enforce a long existing but ignored rule was because renters were abusing the loophole. I don’t think that it’s a coincidence that they decided to enforce the one transfer rule just a couple of months before the June changes.
2) In June they updated the online booking language
https://cdn1.parksmedia.wdprapps.disney.com/media/dvc/DVC-Terms-and-Conditions-2025-5-15-25.pdf to include a definition of personal use (which makes no reference to the number 20.)
3) also in June they started requiring that you attest to personal use every time you booked or modified a reservation online or over the phone. That’s a new enforcement procedure - if you don’t attest to personal use you can’t make or modify a reservation.
Since the new definition & attestation only started last month I suspect we’ll have to wait until renters/guests start checking in for reservations made by owners who attested to personal use to see whether this new language/requirement is toothless or foreshadowing that DVC intends to follow the model of other timeshare systems & crack down on rentals via cancellations or membership locks.