I don't write about finance anymore, but I still find the subject fascinating. Predatory consumer credit is big news in the U.S.--- and about to get even bigger. A few links of interest:
--->Payday Lending: Fact vs Fiction
--->Comment on Federal Reserve Paper "Defining and Detecting Predatory Lending"
--->About the Debit Card Overdraft Fees (instead of rejecting a debit card, the bank accepts it & then charges a big overdraft fee-- in effect turning the debit card into a credit card)--- legislation proposed to stop this.