Page 1 Page 2 Page 3 Page 4 Page 5 Page 6 Page 7 Page 8 Page 9 Page 10 Page 11 Page 12 Page 13 Page 14 Page 15 Page 16 Page 17 Page 18 Page 19 Page 20 Page 21 Page 22 Page 23 Page 24 Page 25 Page 26 Page 27 Page 28 Page 29 Page 30 Page 31 Page 32For more information, please visit www.lenderlawwatch.com or www.enforcementwatch.com 5 table of contents Mortgage Servicing & Orientation........................................................................................ 6 Credit Cards & Credit Cards Reporting...............................................................................10 Student Lending.....................................................................................................................12 Auto Loans............................................................................................................................. 14 Payday/Small Dollar Lending................................................................................................18 Debt Collection..................................................................................................................... 22 Telephone Consumer Protection Act.................................................................................. 26 WHAT WE’RE WATCHING: 2016 EMERGING ISSUES..................................................................... 28 MAJOR APPELLATE CASES TO WATCH IN 2016............................................................................ 30