Who buys service contracts for their cars? It’s who you’d think.

The “length and complexity of motor vehicle transactions has created an environment ripe for deceptive or unfair conduct,” the FTC’s rule-making proposal states. “Consumer complaints suggest some dealers have added thousands of dollars in unauthorized charges, including for add-ons consumers had already rejected. These issues are exacerbated when pre-printed consumer contracts automatically include charges for optional add-ons, when consumers are rushed through stacks of…