Although "mainstream" America has had access to historically low credit rates of late, the working-poor are largely limited to high-cost credit in the form of predatory payday lenders, rent-to-own lenders, car title lenders, and others. Peterson (law, U. of Florida) describes the legal landscape that allows such practices to continue to victimize the working poor and proposes a number of policy recommendations, especially enhanced disclosure regulations. Annotation ©2004 Book News, Inc., Portland, OR (booknews.com)