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In This Issue:

• Table of Contents
• Conference Elects New Governing Committee Members
• An Overview of Ongoing State Activities Regarding Earned Wage Access
  By Patricia E.M. Covington, Justin B. Hosie, Erica A.N. Kramer, & Tracy Wang
• Fraudulent Wire Transfers: Recent Litigation and Legal Developments
  By Nicholas S. Agnello
• Using the Dark Web to Defend Data Breach Class Actions
  By Scott J. Hyman, Genevieve Walser-Jolly, Lela Ames, Jack Altura, & TaeVeon Le
• Fair Access and Debanking: Recent Developments and Unanswered Questions
  By Leslie L. Meredith & Matthew A. Knox
• Thinking About AI Bias Like an Economist
  By Ling Ling Ang & Daniel Brown
• State Survey of Coerced Debt Laws
  By Adair L. Kingsmill & Alyssa L. Szymczyk

*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.