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In This Issue:

• Letter from the Editors
• Committee Elects New Governing Committee Members
• The Supreme Court Doubles Down on the Causation Requirement for Fair Lending Cases
• “So You're Telling Me There's a Chance!”; The Post-Campell-Ewald Possibility of Mooting a Class Action by “Tender” of Complete Relief
• Cybersecurity in Financial Services: A Regulatory and Litigation Primer
• True Lender: An Old Legal Concept Getting New Attention
• “Abusive” Acts or Practices: A Different Approach
• Second Circuit Applies Spokeo Article III Standing Analysis to TILA Claims
• The CFPB has Pushed its Last Envelope

*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.