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In This Issue:

• In Memoriam: Larry A. Young
• Conference Elects New Governing Committee Members
• The Cars We Drive Say a Lot About Us
  By Eric L. Johnson & Andrea Amico
• The FTC Holder Rule: A Ceiling, a Floor, or Both?
  By Julia K. Whitelock & Robert D. Tilley
• When Inventory and Retail Lending Collide—Who Prevails Under Quartz v. Mullen Bros.?
  By Adam A. Hutchinson, Gregory E. Eisner, & Katherine Figueroa
• Post-Repossession Notice Litigation: Small Mistakes Can Lead to Big Financial Consequences
  By Andrew K. Stutzman & Christopher A. Reese
• I am at a Total Loss—Litigation Arising from “Excess Insurance Proceeds” on Leased Vehicles Declared a Total Loss are on the Rise
  By Ryan L. DiClemente & Kellie A. Lavery
• Are You Covered?: Behind the Drive to Regulate GAP Waivers
  By Stephen D. Britt, Austin B. Kenney, & Genevieve R. Walser-Jolly
• (L)end to End: Applicability of ECOA to the Life Cycle of a Credit Transaction
  By Lisa M. Lawless & Marci V. Kawski
• Should Debt Collectors and Credit Furnishers Keep It in The Middle of the Road? Collateral Challenges to the Legal Validity of the Debt May Lead to Liability for Both Furnishers of Credit Information and for Debt Collectors
  By Caren Enloe & Melissa Tulis Smith
• Case Note: Hunstein v. Preferred Collection and Management Services, Inc.
  By Nick Agnello & Pia Thompson
• Creditors Are Impacted by Regulation F in Several Ways, Including Through State Law
  By Leah Dempsey, Sarah Auchterlonie, Courtney Bartkus, & Max Porteus
• The Servicemembers Civil Relief Act’s Application to Motor Vehicle Loans and Leases
  By David M. Bizar
• The Proposed Motor Vehicle Dealers Trade Regulation Rule— a Review of the Comments
  By Jessica Lesser

*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.