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In This Issue:

• Letter from the Editors
• Preventing Predation & Encouraging Innovation in Fintech Lending
  By Matthew Adam Bruckner
• Current Banking Issues in the Cannabis Industry
  By Barry A. Abbott and James B. Zack
• The CFPB's Fall 2018 Rulemaking Agenda—A Busy Schedule for 2019
  By Richard Horn
• The Purpose and Design of the Community Reinvestment Act (CRA): An Examination of the 1977 Hearings and Passage of the CRA
  By Josh Silver
• What's Old is New Again: The Future of Bank Partnership Programs From Small Dollar Installment Loans to Mortgages to Everything
  By Catherine M. Brennan and Nora R. Udell
• California Court of Appeal Finds that the FTC Holder Rule Limits a Holder's Liability for a Consumer's Attorneys' Fees
  By Scott J. Hyman and Tara Mohseni
• Effective Revocation of Consent Under the Telephone Consumer Protection Act Following Reyes v. Lincoln Automotive Financial Services
  By Zachary D. Miller, Parris M. Bell, and Kathryn E. Grundy

*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.