'Based on the consistent and thoughtful comparison of UK and US consumer credit regulation, this book offers new and inspiring reading on many of the foundational issues of consumer credit law. The author compares not only the development of policy choices and supervisory frameworks, but also topical consumer protection challenges, like the protection of vulnerable consumers and the importance of responsible lending. Credit lawyers, consumer lawyers and comparative lawyers will all find the book enjoyable and useful.' --Thomas Wilhelmsson, University of Helsinki, Finland 'Dr. Sarah Brown has produced a contemporary and innovative commentary on the relationship between the provision of credit and its consumers. The monograph is written just over a decade since the 2007-2009 financial crisis and provides an invaluable discussion on the negative consequences that can arise from the vibrant consumer credit market. The comparison between the UK and the USA provides a fascinating and absorbing exploration of a wide range of inter-disciplinary and inter-connected issues. The book is extremely well written and presents an excellent level of analysis and commentary.

The central themes of the text are clearly illustrated and the research reaches several well thought out and constructed conclusions. Dr. Brown must be commended for producing an outstanding monograph that offers a unique and timely analysis.' --Nicholas Ryder, University of the West of England, UK.