This paper depicts some of the ways State and local governments define, regulate, and police the communities and markets where consumers convert their income into a way of life. Explained are how regulatory processes are developed in State and local government, what the underlying concepts are, and some of the access points for fruitful citizen participation. Some of the topics discussed in terms of State and/or local government control and/or influence include real property sales, consumer credit laws, lending and debt collection agencies, public utilities, insurance, public health, occupational licensing, consumer rights, and consumer protection. Also included is a list of recommended reading. (Author/EB)