https://www.ftc.gov/news-events/news/press-releases/2024/10/federal-trade-commission-announces-final-click-cancel-rule-making-it-easier-consumers-end-recurring

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Why did it take a FTC rule to make this happen?

Good question. Ideally, consumer demand should have organically prompted change long ago; but I think consumers as a whole have become too apathetic. I chalk it up to Deranged Fiat Mind syndrome.

In this case it looks like the incitive was to say FU to the consumer and market forces wasn't able to overcome that

Yeah, that's pretty much what you'd expect when the only 'force' the market attempted to apply seemed to be "Stop doing business with me, or I'm taking my business elsewhere."

Scale of complaints wasn’t high enough across industry - is my guess. But collectively you notice a pattern of abuse.

Call me skeptical of this making any material difference. Until there are reliable ways to cut off the funding for subscriptions at the source, I will continue to avoid.

After having to get a new credit card account number, I anticipated having to update all applicable subscriptions. Nope. For the subscriptions I wanted to cancel, but couldn't figure out how, the credit card company took it upon themselves to honor those subscriptions made with the previous account number anyway "as a convenience for their customers".