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In This Issue:

• Letter from the Editors
• Conference Elects New Governing Committee Members
• Conference on Consumer Finance Law 2018 Frederick Fisher Memorial Program: Policy By Twitter: Is the Demise of Consumer Financial Regulation Merely a Hoax?
• Mitigating Litigation Risk: The Essential Role of Legal Counsel in Cybersecurity Incident Response
  By Jennifer Martin
• Modernization of Fintech Regulation: Analyzing State Regulatory Solutions for Banks and Nonbanks
  By Gregory D. Omer
• The CFPB's Trial Disclosure Program Authority Could Soon Become More Interesting to the Industry
  By Richard Horn
• The Repeal of the CFPB's Arbitration Rule: A Bad Beat for Consumers
  By Stuart D. Campbell
• Larry Young, Remarks on Receiving the American College of Consumer Financial Services Lawyers' Senator William Proxmire Lifetime Achievement Award
  By Lawrence (Larry) Young
• In Memoriam: Professor John Krahmer
  By Alvin C. Harrell

*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.