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Consumer Credit is a book category focused on how individuals borrow, use, and manage debt for personal purposes. It covers credit products such as credit cards, personal and auto loans, student loans, lines of credit, retail financing, and “buy now, pay later,” along with how credit reports and scores work and how to compare offers, rates, fees, and terms. Titles often address consumer protections and regulation (e.g., Truth in Lending, Fair Credit Reporting, Equal Credit Opportunity, and debt collection rules), predatory lending and payday loans, identity theft and fraud, and emerging fintech trends. Many books provide practical guidance on budgeting, building credit, debt repayment strategies, credit counseling, consolidation, settlement, and bankruptcy. The category also includes professional and academic works on underwriting, risk management, and the economic and social impacts of household credit, with historical and international perspectives.

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