The manual contains a comprehensive analysis of theoretical and practical issues of lending to the population by banks, covering most of the problems of bank consumer lending in general, and not certain types of loan agreements (mortgages, car loans) and issues of consumer protection, which has not been the case until now which determines its relevance and novelty. The author's point of view on the issues under consideration is based on a thorough analysis of the opinions and positions of leading economists and lawyers on the most significant aspects of bank lending. In addition, the manual contains easy-to-use applications, including basic examples of standard loan agreements for consumer purposes, statements of claim in court. Practical the value and originality of the material contained in the manual lies in the fact that it can be used not only for students of higher educational institutions and students receiving a second higher education to study the theoretical and legal problems of bank consumer lending, but is also of practical interest for financial specialists and the banking sector, as well as for a wide range of consumers, since it includes the practice of banks, judicial practice, information that is important for the consumer in lending relationships.