TABLE OF CONTENTS OVERVIEW .........................................................................................................................................4 MORTGAGE ORIGINATION + SERVICING ......................................................................................9 CREDIT/DEBIT/PREPAID CARDS ...................................................................................................12 CREDIT REPORTING .......................................................................................................................14 STUDENT LENDING ........................................................................................................................16 AUTO LENDING ...............................................................................................................................18 PAYDAY/SMALL DOLLAR LENDING ............................................................................................. 20 DEBT COLLECTION + DEBT SETTLEMENT ................................................................................. 23 TELEPHONE CONSUMER PROTECTION ACT ............................................................................ 26 THE D.C. CIRCUIT’S EN BANC HOLDING IN PHH V. CFPB, AND OTHER MAJOR APPELLATE CASES DECIDED IN 2017 .................................................. 28 WHAT WE’RE WATCHING: 2018 EMERGING ISSUES ................................................................31 AUTHORS ........................................................................................................................................ 34