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In This Issue:

• Forward
• The Evolving Treatment of Student Loans in Bankruptcy
  By Landon G. Van Winkle & John M. Sperati
• New Challenges and Factors to Consider When Preparing Online Arbitration Agreements
  By Stephen D. Britt
• Saunders Skepticism: Rethinking Furnishers’ Duty to Report Consumer Disputes
  By Bryan A. Fratkin & Alison L. Fling
• Are EBT Cards “Debit Cards” Under the FACTA?
  By Bruce Menkes & Bryan Lesser
• The Proposed CFPB Rule Amending Regulation V Would Greatly Expand the Businesses and Practices Regulated by the FCRA: But Will It Withstand Expected Challenges in the Wake of Loper Bright?
  By Brian Goodrich, Landon Mignardi, & Zachary Sherman
• The Rise (And Fall?) of the CFPB Overdraft Final Rule
  By Thomas P. Quinn, Jr.
• The Shifting Sands of Fintech Regulation and the Impact on the Bank Partnership Model
  By John Crees, James J. Morrissey, & Ke Liu
• In Memoriam: Fred H. Miller
  By John L. Ropiequet

*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.