Link: https://old.reddit.com/r/antiwork/comments/1vngvaz/the_ftcs_auto_dealer_rule_exposed_some_bizarre/

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The original was posted on /r/antiwork by /u/Level-Cranberry-1268 on 2026-08-13 17:13:10+00:00.

I was going through the FTC’s documentation for the CARS rule and I honestly can’t get over the EV oil change thing. Regulators literally caught dealerships selling pre-paid oil change packages on electric vehicles, rolling that charge into a 72-month auto loan, and letting the buyer pay compound interest on it for six years.

The whole F&I room setup exists just to exploit decision fatigue. The FTC's staff study tracked this, people spend 5+ hours negotiating $400 off the car price until their brain is totally cooked. Then they get moved to a second room with a second person where $1,500 in nitrogen air fills, paint sealant, or GAP insurance on a loan that doesn't even qualify for GAP is already pre-printed on the contract. Most people sign just to get the keys and get out of there.

Selling the actual car is almost a loss leader at this point. The dealership is basically a high-friction financing broker that makes its actual margin on the add-on stack. The FTC put the total cost of these non-beneficial add-ons and wasted time at $3.4 billion and 72 million hours a year.

Part 463 was supposed to stop the no-benefit add-ons and require separate written consent for every line item, but NADA (National Automobile Dealers Association) immediately petitioned the 5th Circuit for a judicial review, so the FTC issued an administrative stay holding the rule in limbo anyway.

https://preview.redd.it/o022d41pc6jh1.png?width=1589&format=png&auto=webp&s=bc07e6e7dac141c4d9994885f3c8e40c0d92f6b9