The course on consumer credit will deal with many variations of the basic issues that confront consumer debtors and creditors. Among them will be the following: 1. State Usury laws and other restrictions on the amount of interest a creditor can charge. We will examine the common variants of these laws and the most common creditor attempts to avoid them (time price rules, incorporations, rent-to-own and others). 2. Federal disclosure laws, “Truth in Lending”. 3. Other prohibited transactions (FTC rules prohibiting certain guaranties, prohibition on certain non purchase money security interests). 4. Federal and State collection limitations (Federal Fair Debt Collection Act, etc.). 5. State and Federal exemption laws (laws that prohibit unsecured creditors from seizing certain property). 6. Bankruptcy laws as applied to consumers (reaffirmation, discharge and exemption from discharge, wage earner plans under Ch. 13). In addition, we will give some general consideration to the grand trends in the case law and in the state and federal legislatures (e.g., last year’s attempt to amend the consumer parts of the bankruptcy law). We will also discuss the probable economic consequences for consumers and others of the various consumer protection laws.