Chapter 479, Statutes of 1988 (SB 2592, Dills), eliminated, for a three-year trial period, the statutorily set limits on the finance rates that retailers may charge consumers on their retail credit accounts in California. The original rate limits were established by the so-called Unruh Act in 1959. Chapter 479 lifts the rate limits from January 1989 to January 1992, after which time these limits will go back into effect. It also requires the Legislative Analyst to report to the Legislature on consumer credit rates charged in California in 1989 and 1990, during the first two years of the deregulation period. Our report provides this required credit rate information, along with various other information that may assist the Legislature in interpreting the data and deciding whether to allow limits on consumer credit finance rates to go back into effect in 1992.