The final rule on negative options is the latest troubling example of this power-hungry FTC leaping without looking, said Michael Layman, IFA senior vice president of government relations and public affairs. The FTC has not conducted an empirical cost-benefit analysis to assess the proposed rule™s impact on small businesses, and yet it has hastily imposed this unnecessarily regulation that will hurt many franchise businesses and consumers alike by robbing them of convenience, time savings, a streamlined transaction experience, and lower costs. The rule not only disrupts a process that is working for the benefit of both consumers and small business owners, but also adds another layer of complexity into a system of billing already regulated by a host of federal and state regulations.