Materials cover the regulation of voluntary disclosure and compulsory disclosure of information. Also provides insight to abuses at the formation of the contract. Contains material on ensuring access to the market and abuses during performance. Reviews summary claims and defenses followed by abusive collection practices and foreclosing on security. Includes information about the creditor going to court. Most of the cases have been replaced and notes rewritten. The overall organization of the first edition has been maintained, with its four-part division into Regulation of Information, Regulation of Conduct, Regulation of Prices, and Enforcement of all of the above.