This instructional guide was designed to assist educators in teaching the topics of consumer credit and consumer credit protection to secondary and postsecondary students in various economics and business courses, as well as for use in adult and community education courses. The guide contains four sections, which can be used singly or in combination. They cover: (1) an overview of consumer credit; (2) the Equal Credit Opportunity Act; (3) the Fair Credit Reporting Act; and (4) the Fair Debt Collection Practices Act. Through the study of these laws and topics, students learn about types of consumer credit, the pros and cons of credit use, creditworthiness, credit reporting, consumer delinquency, credit shopping, and billing errors. Each of the sections contains five or six individual topics focusing on specific concepts or skills. These units are sequentially organized with the earlier topics presenting basic concepts and skills that provide the necessary background for the subsequent topics. In addition to directions, each section contains an introduction, key concepts and definitions of terms, an answer key, and information sheets which may serve as masters for overhead transparencies or instructional materials for students. A pretest is also included with each section to help instructors assess student knowledge and select appropriate sections and topics. The guide notes that two additional sections, truth in lending and the Fair Credit Billing Act, will be available at a later date. (AYC)