This book was a Doctoral dissertation (approximately one million words) submitted in partial fulfillment of the requirements for the degree of Doctor of Common Law (DCL) by Francis Nigel Lee who studied at the Samuel Rutherford School of Law of Florida.

Comptrollers Handbook, This manual is an essential element in understanding all types of debt. It is the handbook distrubuted by the Dept. of Treasury to its agents as a guideline and instruction on how to identify abusive debt collection, collectors, and credit card company abuse. This manual demonstrates each and every rule, regulation, and law, both federal and state in relation to debt, debt collection, debt collectors and credit. The manual is very specific and spells out each and every law in regard to debt. The manual gives step by step processes available to the consumer as far as consumer protection goes. This book demonstrates all remedies available to the consumer and basically gives the consumer each and every LAWFUL remedy available to the consumer; how to spot abuse and fraud by debt collectors AND credit card companies, such as hidden ILLEGAL charges,i.e. compound interest, late fees, penalties and billing errors. The manual illustrates how to enforce consumer rights and what services are available to the consumer as far as prosecution is concerned.

This book contains everything you ever wanted to know about the rules of and pertaining to credit card lending from an establishment perspective, i.e. Directly from the Comptroller of the Currency!