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In This Issue:

• DOJ Hits Bank Target in “Operation Choke Point”
  By Marjorie J. Peerce and Jeremy T. Rosenblum
• Will Ethical Lapses by Class Counsel in TCPA Junk Fax Cases Ever Defeat Class Certification?
  By John L. Ropiequet
• Federal and Municipal Developments Affecting Debt Collection, Foreclosure, Servicemember and FCRA Requirements
  By Lauren Campisi, Laura Brown, David Thompson, Glenn Knirsch, Bennet Koren, Gabriel Crowson, Robert Savoie and Laura Greco
• The New Normal: Third-Party Vendors under the Microscope
  By Richard P. Eckman and Andrew R. Mavraganis
• Chapter 7 Practice from a Trustees' Perspective
  By Sidney K. Swinson
• CFPB Takes Active Role at Annual Consumer Federation of America Conference
  By Kim Phan
• Supreme Court Ruling on Class Action Waivers is a Victory for Businesses
  By Thomas J. Cunningham, Martin W. Jaszczuk & Tamra J. Miller
• CFPB Sends Warning to Mortgage Servicers
  By Michael S. Waldron
• Summary of Selected Recent CFPB Activities
  By Michael B. Mierzewski, Christopher L. Allen, Brian P. Larkin, Marjorie L. Levine and Harry Wu
• Checklist for the CFPB Escrow Rule
  By Scott D. Samlin, Stephen F.J. Ornstein and R. Colgate Selden
• CFPB Ombudsman's Office Issues Second Annual Report
  By Barbara S. Mishkin
• Loan Originator Compensation Rule
  By R. Colgate Selden, Stephen F.J. Ornstein, Scott D. Samlin and Rinaldo Martinez
• September and October 2013 Modifications to the CFPB Mortgage-Related Rules
  By Stephen F.J. Ornstein, Scott D. Samlin, R. Colgate Selden and Rinaldo Martinez
• Federal Financial Regulatory Agencies Propose Appraisal Requirement Exemptions for Certain Higher-Priced Mortgage Loans
  By Reid F. Herlihy
• At Long Last…New Mortgage Loan Disclosures Issued: TILA and RESPA Engaged! Wedding Set for August 2015
  By Stephen F.J. Ornstein, Scott D. Samlin, Colgate Selden and Rinaldo Martinez
• CFPB Releases Compliance Costs Report
  By Barbara S. Mishkin
• Historic Literature Presages Dodd-Frank Act as a Death Knell for Community Banks
  By Ryan T. O’Shields
• Volcker Rule Agencies Issue Interim Final Rule Exempting TruPS-Backed CDOs
  By Keith R. Fisher
• U.S. Bank Regulators Issue Final Leveraged Lending Guidance
  By Barbara M. Goodstein, J. Paul Forrester and David K. Duffee
• CFPB Lawsuit Challenges Loan Officer Bonuses
  By Richard J. Andreano, Jr.
• Federal Banking Agencies Issue Final Rule to Implement Basel III and Otherwise Revise the Financial Regulatory Capital Framework
  By David F. Freeman, Jr., A. Patrick Doyle, Robert C. Azarow, Kevin F. Barnard, L. Charles Landgraf, Howard L. Hyde, Nancy L. Perkins, Tengfei Wu and Helen Mayer
• Payday Lender Files Petition to Modify or Set Aside CID
  By Jeremy T. Rosenblum
• Revisions to Basel Securitisation Framework—Second Consultative Document
  By Kevin P. Hawken, Carol A. Hitselberger, Jason H.P. Kravitt and Stuart M. Litwin
• CFPB Updates Mortgage Rules Readiness Guide
  By Richard J. Andreano, Jr.
• Enhanced Prudential Standards for Non-U.S. Banks
  By Kathleen A. Scott
• Trade Group Criticizes CFPB Reliance on Enforcement and Informal Guidance
  By Alan S. Kaplinsky
• President Issues Executive Order to Improve Cybersecurity of Critical Infrastructure; Bi-Partisan Cybersecurity Legislation Advances in Congress
  By Marcus A. Asner, Kenneth L. Chernof, Ronald D. Lee, Nancy L. Perkins and Arthur Luk
• Cybersecurity Framework “Best Practices” Released: What You Need to Know
  By Jonathan S. Feld and Susan E. Asam
• Cloud Computing, Part Three: Health Care in the Cloud–Think You are Doing Fine on Cloud Nine? Think Again. Better Get Off of My Cloud
  By Joseph I. Rosenbaum and Nancy E. Bonifant
• New York Subprime Home Loan Thresholds
  By Stephen F.J. Ornstein, Scott D. Samlin, R. Colgate Selden and Rinaldo Martinez
• Hands Off My Internet! Why the FCC Should Refrain from Regulating the Internet
  By Shanika Chapman
• Banking on Social Media: The Legal Issues Banks Face When Using Social Media
  By Benjamin C. Bowers
• Taming the “Wild West”: Regulators Take Aim at Unregulated Virtual Currencies
  By Marcus A. Asner, Andrew Joseph Shipe and Alexandra L. Mitter
• www.TrademarkOwnersWin.com: The “Law” of ICANN's UDRP
  By Brad A. Madore
• CFPB Files Amicus Brief in Another FDCPA Case
  By John L. Culhane, Jr.
• International Motion Picture Piracy in the Digital Age
  By Christin Jeffrey Jones
• CFPB Bootstraps Purported State Law Violations into Attack on Online Payday Lending Companies
  By Jeremy T. Rosenblum
• Combating Media Piracy by Foreign Rogue Websites Without Rattling the Internet
  By Hans M. Carlson
• CFPB Issues Annual CARD Act and HOEPA Adjustments
  By Barbara S. Mishkin*
• Counterfeits and Countermeasures: The Impact of New Trademark Laws on Phony Goods
  By Grant Davis
• The Anti-Counterfeiting Trade Agreement and Its Constitutional Dilemma
  By Joseph P. Johnson
• NACHA Invites Comments on Proposed Rules to Improve ACH Network Quality
  By Alan S. Kaplinsky, Jeremy T. Rosenblum, and Mark J. Furletti
• A Guide for the Bench and the Bar on How to Evaluate a Digital Forensics Report
  By Daniel B. Garrie and William R. Spernow
• The CFPB Announces First Enforcement Action Against Payday Lender, Cash America International, Inc.
  By Arthur Rotatori and Glenn Knirsch
• Eighth Circuit TILA Rescission Decision Rejects CFPB Position
  By Martin C. Bryce, Jr.
• CFPB Issues Aggressive Rulemaking Agenda
  By Barbara S. Mishkin

*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.