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In This Issue:

• Front Matter
• A Correction, Not a Contraction: The FCRA’s Shift to Objective and Ready Verifiability
  By Alisa Givental
• Revisiting Disparate Impact Liability in Financial Services Under Executive Order 14281
  By Peter N. Cubita & Michael R. Guerrero
• California’s DFPI Issues Third Proposed Regulations on the Scope of California’s Debt Collection Licensing Act
  By Scott J. Hyman, Genevieve Walser-Jolly, & Paul Soter
• The Evolving Enforceability of Class Action Waivers and Individual Arbitration in Consumer Litigation
  By David N. Anthony, Noah J. DiPasquale, & Leanna C. Minix

*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.