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Scrooge tales are a staple of holiday literature. Other than holiday romances, I am also a fan of the mystery anthology Holmes for the Holidays, a fine compilation of Holmes-Watson tales with Christmas themes (I especially recommend Gillian Linscott's tale "A Scandal in Winter"). At least three of the stories have Scrooge references/narrative arcs.
It is a very usable arc. Here are a few examples in romances:
One M/M Scrooge read is "Peter Cratchit's Christmas Carol" by Drew Marvin Frayne which smoothly uses the classic three appearances: Ghosts of Christmas Past, Present, and Future. The tone and perspective captures the Victorian era. My only problem with the book is the epilogue. The wry, borderline caustic voice of Peter--Scrooge--transforms at the end to an almost too-good-to-be-true optimism. I address this problem (how much is Scrooge supposed to change?) in my review of a perfect M/M Scrooge novella: "Humbug."
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He undergoes a transformation, not from grouchy miser to optimistic sharer, but rather from close-mouthed worrier to man who finally speaks his mind. It's a delightful twist, especially when Sypeman--Scrooge--tells off the "charitable" merchants whom he knows will pocket his donation rather than giving it to the poor.
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Of course, a number of Scrooge romances drop the three visits or acts yet keep the Scrooge-like guy who hates Christmas but undergoes a change of heart. Two examples are Mending Noel and The Heart of Frost from Charlie Cochet's North Pole City Tales, which I review here.
The softening heart is, of course, the perfect Christmas message. I think too that Dickens' particular approach is fundamentally visual. Yup, the three acts are theater-ready--as numerous movie productions prove!