This is the type of stuff that the CARS rule was meant to address. Although it remains to be seen how potentially misleading lease structures get enforced. The FTC is focusing on sales price for cash/loan purchases. If CARS goes in effect, we may see more dealerships skew toward confusing leases to squeeze more profit from unsuspecting clients.
A Ford dealership sales rep in NorCal told me that Ford Motor Credit won’t allow leases where sales tax (on rebates), doc fees, acquisition, title, and registration are capitalized. So they as a dealership will never quote lease payments (even if the customer asks for it) assuming capitalized inceptions. Lol. I hate shopping Fords.