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In This Issue:

• Conference Elects New Governing Committee Members
• An Update on CFPB Constitutionality Litigation
  By Jason W. McElroy & Allison M. Scoggin
• Algorithmic Credit Scoring and FICO's Role in Developing Accurate, Unbiased, and Fair Credit Scoring Models
  By Bernard Siskin, Nicholas Schmidt, & Bryce Stephens
• CFPB Issues Final LIBOR Transition Rules
  By Douglas I. Youngman & Leonard A. Bernstein
• Investigating and Defending Identity Theft Claims Against Furnishers Under the Fair Credit Reporting Act
  By David Elliott & Ryli Leader
• More than A Misread: The Eleventh Circuit Misapplies Escobar in United States v. Mortgage Investors Corporation
  By Jason W. McElroy & Jacob D. Hopkins

*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.