Typology of different forms of credit
Analysis of each credit type
    Lenders
    Users
    Extent of use
    Contracts used
          security terms
          cost of credit (interest and other charges) - how calculated & disclosure
          early settlement
    problems associated with its use
    lender behaviour (pre & post contractual)
    dispute resolution mechanism
Existing 'credit institutions'
Credit marketing
'Credit rating'
Analysis of Existing Law

    Governing Philosophy

            Considerations:

More consumer protection
Sub-prime/marginal lenders (small scale lenders)
Raise lending standards
increased competition
address information problems
concern for low-income
pro-credit (attitude of credit)
recognise limitations of market processes (some regulation of terms)
support consumer autonomy

    Aspects of Law

Contractual terms
Provision of information to consumers ie. information pertaining to interest and other charges, and other terms of the contract
Interest of third parties
Treatment of guarantors
Regulation of interest and other charges
Rebates for Early Settlement
Licensing System
Control of advertising
Sanctions for infringement
Agency for enforcement