A companion volume to Part I--Summary Report, this volume contains the reports of four committees. Topics are: (1) The Role and Functioning of Consumer Credit (consumer credit and social policy, consumer credit and economic growth, structure of the consumer credit market, the economics of consumer credit, credit revenues, credit costs, and a model consumer credit market); (2) Credit Criteria and Availability (credit criteria, a consideration of government roles in providing credit to low income consumers, and the overextension of credit); Consumer Credit Billing Practices (communication to the customer, customer inquiries and complaints, and posting of credits); and (4) Creditors Remedies and Collection Practices (the nature of the problem, what ethical creditors can do, credit policy and collection expenses, the delinquent debtor, the collection process, debtor grievances, A Code of Ethical Credit Grantors, and limiting factors). (WL)