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In This Issue:

• Conference Elects New Officers and Governing Committee Members
• Department of Defense Issues Final Rule Expanding Application of Military Lending Act
  By Arthur Rotatori, Lauren Campisi and Robert Savoie
• Nevada Amends Laws Regarding Homeowners' Association Liens
  By Alan S. Kaplinsky, Abran Vigil, Joel E. Tasca and Lindsay C. Demaree
• CFPB's Proposed Changes to the Mortgage Servicing Rules: The Devil is in the Details
  By Nanci L. Weissgold and Scott D. Samlin
• CFPB Makes No Change to Exemption Thresholds for Appraisal Requirement, Regulation Z and M
  By Barbara S. Mishkin
• Illinois Amends the High Risk Home Loan Act
  By Scott D. Samlin and Rinaldo Martinez
• Hensarling Establishes New Policy for Issuing Subpoenas and Gives CFPB Deadlinefor Responding to Document Requests
  By Barbara S. Mishkin
• 2015 Survey of Activities Identified as Unfair, Deceptive or Abusive under the Dodd-Frank Act, Part One
  By Adam D. Maarec and John C. Morton
• U.S. Supreme Court to Decide Whether ECOA Applies to Loan Guarantors
  By Alan S. Kaplinsky, John L. Culhane, Jr., Christopher J. Willis and Mark J. Furletti
• 2015 Update on Drafts, Notes and Bank Accounts under the UCC
  By Alvin C. Harrell
• Changes to Connecticut Banking Statutes Impacting Lenders and Secondary Market Participants
  By Scott D. Samlin and Rinaldo Martinez
• Mobile Financial Services and the Underserved
  By Kevin D. Leitão and Juliana D. Gerrick
• Payday Lenders' “Operation Choke Point” Remains under Fire
  By Alan S. Kaplinsky and Jeremy T. Rosenblum
• What is the Statute of Limitations for Lawsuits Brought by the CFPB?
  By Eric B. Epstein and Erin P. Davenport
• FTC Follows in CFPB Footsteps with GLB Act Privacy Notices
  By Alan S. Kaplinsky, Kim Phan, Kevin D. Leitão, Odia Kagan, Daniel JT McKenna and Philip N. Yannella
• Case Note: Seventh Circuit View of FDCPA Wrong Venue Cases
  By John L. Ropiequet
• CFPB Finalizes Auto Lender Larger Participant Rule
  By John L. Ropiequet
• FTC Provides Advice to Consumers on Communicating with Debt Collectors
  By Barbara S. Mishkin
• Georgia Court Sheds Light on CFPB's Power to Sue Companies that “Recklessly Provide Substantial Assistance”
  By Nicholas F.B. Smyth
• Courts Allow States to Regulate Out-of-State Internet Financial Services Providers
  By Alan S. Kaplinsky, Jeremy T. Rosenblum, Mark J. Furletti and Scott M. Himes
• Tribally-Affiliated Payday Lenders Can Use Tribal Sovereign Immunity as Defense to State Administrative Proceedings and Class Actions
  By Alan S. Kaplinsky
• FCC Approves TCPA Clarifications that Increase Potential for Liability
  By Alan S. Kaplinsky, Daniel JT McKenna and Mark J. Furletti
• Does Inclusive Communities Point the Way to a More Limited Future for Fair Lending Claims?
  By John L. Ropiequet
• CFPB's Federal Court Action Against PayPal Sheds Further Light on the Meaning of “Abusive” Acts or Practices
  By Nicholas F.B. Smyth

*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.