I generally think this will sort itself out in the next two years. From the dumping of AUL and BWV contracts starting last October, I'm pretty sure massive commercial renters were already contacted by Disney. This leaves the FB renters (you've seen them - Hey, experience renter here with 2,000 points to rent this and every year). That will likely be Disney's next target. The next battle will play out there. And inside of that, through many examples, it will become clear what is and what isn't commercial renting. My guess: if you regularly use your points for your family, you're probably fine. Another guess, the rental cites are soon going to be the ones policing this, as they don't want Disney to cancel reservations that they (meaning David's,
DVC Store) technically sold, which would put them in legal exposure. So I think pretty quickly David's, DVC Store, etc. are going to figure out how to manage all this to protect their own business interests. The person who can't go to Disney this year because they have work responsibilities or are caring for an elderly relative or need to focus on something else is probably going to be just fine renting points. But unless you are some clear commercial operation on FB or elsewhere, the arbitrators of what is and what is not allow will likely quickly be the rental outfits themselves, as they have to most to lose if a reservation is cancelled by Disney. I wouldn't be surprised for David's / DVC Store / etc. to ask for a screen shot of total points and then do some calculations on how many points have been rented over the past year or so before agreeing to rent out an owner's points. I think something like that is likely coming. But again, we'll see.