Perhaps experts and those in the field are not puzzled by this title, but the layman needs to know that this is a study of those agencies that have developed various forms of consumer credit, personal finance agencies, and all of those organizations outside the pale of regular banking which handle building and loan, installment buying, cash credit institutions, etc. The author goes into the problems of licensing, regulating and legislating for such non-banking institutions. He studies the distribution and the types, in this country and in Canada and Hawaii. He discusses the social and legislative changes, the types of borrowers, the operations, costs, statistics, gross income, collection problems, expenses and net earnings. A very specialized book.