Individuals and organizations administering consumer credit services are urged to adopt the following recommendations and the Code of Billing and Collection Practices (also included): (1) Credit grantors should support continuing educational programs at national and local levels on the nature of the consumer credit system. (2) Whenever possible, credit granting systems should avoid passing costs on to non-credit users. (3) Credit grantors should continue to use ability and willingness to repay as the principal determining factors in decisions relating to the extension of credit. (4) Consumer credit granting criteria should be the same for men and women. (5) Credit grantors should update customer credit ratings on a regular basis, or upon request. (6) Credit rating systems should not unfairly discriminate between types of income. (7) Credit grantors should support the establishment of professional credit counseling services for consumers. (8) The states should use the uniform consumer credit code as the basis for modernizing their consumer credit statutes. (9) Government agencies at all levels should avoid actions which unnecessarily erode consumer credit information systems. (10) Credit grantors should develop, support, and encourage consumer educational programs on personal money management. (11) Financial institutions should avoid financing the purchase of products or services sold by unethical merchants. (Committee reports on which these recommendations were based are presented in Part II, a related document.) (JT)