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In This Issue:

• Front
• Conference Elects New Governing Committee Members
• The State of U.S. Open Banking Regulation in 2025
  By Adam Maarec
• Sovereign Citizens and The Raging War of Paper Terrorism
  By Caren D. Enloe
• Artificial Intelligence and Litigation: Great Potential but Land Mines are Prevalent
  By Aimee Szygenda & Alfredo Ramos
• Flip-Flop: Why CFPB Consistency and Independence Really Matter
  By Donald C. Lampe
• States Target Bait-and-Switch Practices and Other UDAPs by Automobile Dealers After Fifth Circuit Sets Aside FTC Cars Rule
  By Dustin C. Alonzo & Helen Mosothoane

*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.