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In This Issue:

• ALI Launches Restatement Project for Consumer Contracts
  By Alan S. Kaplinsky
• Fair Lending Litigation and the Impact of Wal-Mart Stores, Inc. v. Dukes
  By John L. Ropiequet
• Proposed Federal Banking Agency Regulations Implementing Basel III Standards Would Substantially Revise Capital Requirements
  By A. Patrick Doyle, Kevin F. Barnard, Nancy L. Perkins, Tengfei (Harry) Wu and Helen Mayer
• Will Mount Holly Take a Dive Just Like Saint Paul?
  By Alan S. Kaplinsky
• President Signs Bill Eliminating ATM Fee Sticker Requirement
  By Barbara S. Mishkin
• The First Amendment and Visual Cyberbullying: How Online Sharing of a Kitten Picture Could Land You in a Tennessee Jail
  By Heather M. Mandelkehr
• D.C. Circuit Rejects President Obama's NLRB Recess Appointments: Implications for the CFPB
  By Alan S. Kaplinsky and Emily Miller
• A “Royal Flush” Solution to the UIGEA Act of 2006—Congress Considers a Feasible Option to Legalizing and Regulating Online Poker in the United States
  By Kristin R. Drake
• Book Review and Commentary: James Steven Rogers, The End of Negotiable Instruments
  By Alvin C. Harrell
• Throw the Book at Them: Testing Mortgagor Remedies in Foreclosure Proceedings After U.S. Bank v. Ibanez
  By Claire Alexis Ward
• Taking Discovery in the U.S. Under 28 U.S.C. Section 1782 for Use in Foreign Litigation
  By Stuart M. Riback
• Homage To Draconia: Enforcement Lessons to Consider Before You Rely on Foreign Collateral
  By Richard L. Goldfarb
• Foreign Filing Systems: A Seven-Country Study
  By Arnold S. Rosenberg
• Report to the ULC: Committee to Implement the U.N. Convention on Independent Guaranties and Stand-by Letters of Credit
  By Edwin E. Smith, Chair; James J. White, Reporter and Members of the Committee
• The Canadian Approach to Data Breach Notification
  By Lisa R. Lifshitz, Roland Hung and Evan Atwood
• On the Establishment of Constitutional Government and Rule of Law in China from the Prospective of Protection of Peasants' Land Benefits
  By Dr. Yu Fengzheng
• To Be, Rather Than to Seem: Analysis of U.S. Trustee Fiduciary Duty in a Reorganization and Its Implications for the New Chinese Bankruptcy Law
  By Charlie Xiao-chuan Weng
• My Experience with the Rule-of-Law Mission in Iraq
  By Albert Manwaring
• Secured Transactions South of the Border: Chilean Highlights and Recent Developments
  By Francisco Ugarte and Camila Guarda
• Is It “Secure” to Use a Security Trustee in Bulgaria?
  By Anna Saeva
• Modernisation of the Security Registration Regime in the U.K.
  By Anna Buscall and Robert Dickson
• Better Late Than Never? FSB Reports Regulatory Reform is Advancing, But Slowly
  By Sylvia Mayer, Heath P. Tarbert and Scott Bowling
• CFPB Delays Remittance Transfer Rule Effective Date
  By Barbara S. Mishkin
• The Dodd-Frank Act—Two Years Later
  By Heath P. Tarbert
• CFPB Launches Consumer Complaint Database
  By Matthew S. Yoon and John P. Holahan
• CFPB Commences Consumer Complaint Information Sharing with State Regulators
  By Matthew S. Yoon and John P. Holahan
• CFPB Proposes Integrated TILA-RESPA Forms and Related Rules
  By Richard J. Andreano, Jr. and Stanley D. Mabbitt
• CFPB Moves to Broaden Scope of “High-Cost” Mortgages
  By Mercedes Kelley Tunstall
• Federal Banking Agencies and the CFPB Release Mortgage Servicing Guidance for Servicemembers
  By Matthew S. Yoon and John P. Holahan
• Lessons Learned from the First Public CFPB Enforcement Action and Bulletin 2012-06
  By Sandra D. Hauser, Stephen F.J. Ornstein, Scott D. Samlin and Jerome Walker
• CFPB Final Mortgage Servicing Rules
  By Matthew S. Yoon and John P. Holahan
• California Homeowner Bill of Rights
  By Scott D. Samlin and Rinaldo Martinez
• California Supreme Court Decision Breaks New Ground in Confirming Broad Federal Preemption of State Disclosure Requirements
  By Laurence J. Hutt, Nancy L. Perkins and Howard N. Cayne
• Important Changes to Ohio Law Impacting the Consumer Credit Industry
  By Arthur Rotatori and Kelly Lipinski
• CFPB Ability-to-Repay Rule and Qualified Mortgage Definition
  By Stephen F. J. Ornstein, Stephen S. Kudenholdt, Scott D. Samlin and William W. Carpenter
• CFPB Announces 2013 Regulatory Agenda
  By Alan S. Kaplinsky

*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.