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In This Issue:

• FHA Loan Prepayments Under the FRB Higher-Priced Mortgage Loan Rules
  By Stephen F.J. Ornstein, Matthew S. Yoon and John P. Holahan
• Racial Discrimination Claims in Current Mortgage and Auto Finance Litigation: The Song Remains the Same
  By John L. Ropiequet
• The Laws, Regulations, Guidelines, and Industry Practices that Protect Consumers Who Use Gift Cards
  By Philip Keitel
• Telos versus Unilateralism: Cross-Border Banking Business and the International Applicability of Domestic Banking Law
  By Thomas Schobel
• Congressional Agenda Accelerates Banking Agency Rules on Unfair Credit Card Practices and Consumer Disclosures--Understanding the New Rules
  By V. Gerard Comizio, Chris Daniel, Lawrence D. Kaplan, Kevin L. Petrasic, Azba Habib and Helen Y. Lee<
• Credit CARD Act of 2009: Implementation Guidelines
  By Stanton Koppel, Nicole Ibbotson, and Helen Y. Lee
• E-Discovery: Federal Rules Versus California Rules--The Devil is in the Details
  By Daniel B. Garrie and the Honorable Maureen Duffy-Lewis
• Survey of Current FDCPA Developments
  By David Smith and Michael Ferachi
• Secured Party's Liability for Collection or Enforcement of Account Debtor's Obligation When Secured Party Has No Right of Recourse Against the Debtor
  By Teri Dobbins Baxter
• Recent Amendments to Illinois Foreclosure Law
  By Stephen F.J. Ornstein, Matthew S. Yoon and John P. Holahan
• New Maryland Laws of Interest to Mortgage Lenders and Other Financial Service
  By Carla Stone Witzel and Marjorie A. Corwin
• New Michigan Foreclosure by Advertisement Legal Requirements
  By Stephen F.J. Ornstein, Matthew S. Yoon and John P. Holahan
• Payment Shock Relief for Homeowners: The Save New Jersey Homes Act of 2008
  By Leonard A. Bernstein and Robert M. Jaworski
• Amendments to the New Jersey Mortgage Stabilization and Relief Act
  By Stephen F.J. Ornstein, Matthew S. Yoon and John P. Holahan
• Recent New York Developments
  By Stephen F.J. Ornstein, Matthew S. Yoon and John P. Holahan
• New City of Providence Foreclosure Laws
  By Stephen F.J. Ornstein, Matthew S. Yoon and John P. Holahan
• South Carolina Foreclosure Update
  By Stephen F.J. Ornstein, Matthew S. Yoon and John P. Holahan
• MERS: The Mortgage Electronic Registration System
  By Beau Phillips
• Reforming Foreclosure Disposition: A Tool for Tempering the Financial Meltdown
  By Aaron Byrkit
• The FHA Home Affordable Modification Loss Mitigation Option
  By Stephen F.J. Ornstein, Matthew S. Yoon and John P. Holahan
• Case Note: Predatory Mortgage Litigation Comes to Oklahoma
  By Alvin C. Harrell
• The Final RESPA Rule
  By Stephen F.J. Ornstein, Matthew S. Yoon and John P. Holahan
• HUD Announces Restraint in RESPA Enforcement
  By Stephen F.J. Ornstein, Matthew S. Yoon and John P. Holahan
• Protecting Tenants at Foreclosure Act
  By Stephen F.J. Ornstein, Matthew S. Yoon and John P. Holahan

*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.