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In This Issue:

• Letter from the Editors
• Contribution and Indemnity for Wrong Number Calls Under the Telephone Consumer Protection Act
  By Scott J. Hyman and Katherine Figueroa
• Conflict in Consumer Financial Protection Enforcement
  By Alexandra Sickler
• Not so Fast! Why Mortgage Lenders and Servicers May Want to Pump the Brakes on Online and Telephone Payment Convenience Fees
  By Thomas J. Cunningham, Aaron A. Wagner, and Lindsey E. Kress
• An Introduction to Artificial Intelligence and Solutions to the Problems of Algorithmic Discrimination
  By Nicholas Schmidt and Bryce Stephens

*Notice to Readers: The Quarterly Report is a research tool designed to help readers find and understand applicable laws, cases, and regulations. It also provides a forum for advocates of change. While the content of the Quarterly Report is believed to be accurate, the Conference cannot be responsible for errors. Readers are cautioned to consult primary authority before formulating or relying on a legal position. The views expressed in the Quarterly Report are solely those of the authors and do not necessarily represent the views of the Editor, the Conference on Consumer Finance Law, or the members of the Governing Committee. Opposing views are welcome and will be considered for publication.