Introduction&Johanna Niemi， lain Ramsay， William C Whitford 1
Ⅰ Changing Consumer Credit Markets 11
1. Inequality and Access to Financial Services&Gregory D Squires 11
2. The Political Economy of Consumer Credit Securitization： Comparing Predatory Lending in Home Finance in the US， UK， Germany and Japan&Christopher L Peterson 31
3. Consumer Overindebtedness in Brazil and the Need for New Consumer Bankruptcy Legislation&Claudia Lima-Marques and Antonio Benjamin 55
4. ‘Wannabe WAGS’ and ‘Credit Binges’： The Construction of Overindebtedness in the UK&lain Ramsay 75
Ⅱ Topics in Consumer Credit Regulation 91
5. Overindebted Households and Law： Prevention and Rehabilitation in Europe&Johanna Niemi 91
6. ‘A Call to Arms’—For Regulation of Consumer Lending&Udo Reifner 105
7. The Political Economy of the EC Consumer Credit Directive&Sefa M Franken 129
8. Disclosure as an Imperfect Means for Addressing Overindebtedness： An Empirical Assessment of Comparative Approaches&Susan Block-Lieb， Richard Wiener， Jason A Cantone and Michael Holtje 153
9. Prevention of Overindebtedness and Mechanisms for Resolving Overindebtedness of South African Consumers&Michelle Kelly-Louw 175
10. The Myth of the Cautious Consumer： Law， Culture， Economics and Politics in the Rise and Partial Fall of Unsecured Lending in Japan&Souichirou Kozuka and Luke Nottage 199
Ⅲ Consumer Overindebtedness and Insolvencies 225
11. Making Sense of Nation-Level Bankruptcy Filing Rates&Ronald J Mann 225
12. Overindebtedness and Financial Stress ： A Comparative Study in Europe&Catarina Frade and Claudia Abreu Lopes 249
13. Bankruptcy in Germany： Filing Rates and the People behind the Numbers&Wolfram Backert， Ditmar Brock， Gotz Lechner and Katja Maischatz 273
14. Elderly Consumer Weakness in ‘Withholding Credit’&Johannes Doll 289
15. Two Decades， Three Key Questions， and Evolving Answers in European Consumer Insolvency Law： Responsibility， Discretion， and Sacrifice&Jason Kilborn 307
Ⅳ Repayment Plans 331
16. A Law-in-Action Approach to Comparative Study of Repayment Forms of Consumer Bankruptcy&Jean Braucher 331
17. Debt Agreements Down Under&John Duns and Rosalind Mason 355
18. Personal Bankruptcy in Korea&Soogeun Oh 375
19. New Labour： More Debt—The Political Response&Michael Green 393
20. Debt Counselling in the Shadow of the Court： The Dutch Experience&Nadja Jungmann and Nick Huls 419