Sumário:The theoretical approach: individual, social and collective consumer protection -- The example of consumer credit regulation in Germany -- Extortionate credit and price discrimination: "the double is enough" -- Access to financial services - antidiscrimination: "giving a fair chance" -- Transparency and informed consumers: "what you see is what you get" -- Debtors in default - "encourage credit adjustment, discourage credit break" -- Overindebted debtors - socialising losses -- Special forms of consumer credit -- Effectiveness of the regulation - consumer credit protection aims at the economic contents and not the legal form.