Chapter 23 - Consumer lending and borrowing. After completing this unit, you should be able to see the vital role played by consumers in supplying loanable funds through savings to the money and capital markets; to learn about the important role consumers play as major borrowers of funds and the laws that protect their rights; to explore the characteristics of consumer lending institutions. | Lecture Money and capital markets: Financial institutions and instruments in a global marketplace (8th edition): Chapter 23 - Peter S. Rose