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		<loc>https://clpblog.citizen.org/mulvaney-requests-zero-funding-for-cfpb-for-next-quarter/</loc>
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		<loc>https://clpblog.citizen.org/ohio-state-representative-jonathan-dever-seen-as-a-top-candidate-for-cfpb-director/</loc>
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		<lastmod>2018-01-24T09:12:18+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/cfpb-has-no-update-on-enforcement-freeze-after-not-announcing-enforcement-action-in-more-than-2-mont/</loc>
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		<loc>https://clpblog.citizen.org/mulvaney-pushed-the-envelope-by-misquoting-cordray-in-memo-saying-the-bureau-has-pushed-its-last-env/</loc>
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		<loc>https://clpblog.citizen.org/another-name-surfaces-to-run-the-cfpb-dan-iannicola/</loc>
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		<loc>https://clpblog.citizen.org/identity-theft-issues-on-twitter/</loc>
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		<loc>https://clpblog.citizen.org/cfpb-now-has-it-in-for-consumers/</loc>
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		<loc>https://clpblog.citizen.org/cal-supreme-court-says-class-action-objectors-must-become-parties-to-appeal-approval-of-a-class-acti/</loc>
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		<loc>https://clpblog.citizen.org/banks-pay-colleges-substantial-sums-in-royalties-fees-when-students-use-debit-cards-etc-when-college/</loc>
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		<loc>https://clpblog.citizen.org/recent-developments-in-fake-litigation/</loc>
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		<loc>https://clpblog.citizen.org/dc-circuit-upholds-constitutionality-of-cfpb-in-phh-case/</loc>
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		<loc>https://clpblog.citizen.org/trump-administration-strips-consumer-watchdog-office-of-enforcement-powers-in-lending-discrimination/</loc>
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		<loc>https://clpblog.citizen.org/dee-pridgen-article-state-and-private-enforcement-of-udap-laws/</loc>
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		<loc>https://clpblog.citizen.org/report-says-mulvaney-has-put-cfpb-probe-of-equifax-on-ice/</loc>
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		<loc>https://clpblog.citizen.org/ann-flemings-book-and-more-on-the-history-of-fringe-finance/</loc>
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		<loc>https://clpblog.citizen.org/martin-luther-kings-heirs-blatant-abuse-of-ip-claims-to-control-his-image/</loc>
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		<loc>https://clpblog.citizen.org/does-the-cfpbs-putting-the-equifax-probe-on-ice-matter/</loc>
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		<loc>https://clpblog.citizen.org/teaching-consumer-law-conference-4/</loc>
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		<loc>https://clpblog.citizen.org/maybe-it-does-matter-if-the-cfpb-looks-into-the-equifax-breach-and-the-cfpb-says-it-is/</loc>
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		<loc>https://clpblog.citizen.org/addressing-income-inequality-through-consumer-law-the-van-loo-argument/</loc>
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		<loc>https://clpblog.citizen.org/consumers-are-biggest-losers-of-trumps-ongoing-war-on-regulations/</loc>
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		<loc>https://clpblog.citizen.org/naca-survey-finds-cfpb-fully-immersed-as-key-resource-and-partner-for-distressed-consumers-in-financ/</loc>
		<lastmod>2018-02-08T12:30:47+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/consumer-financial-regulation-scholars-amicus-brief-in-cpfb-leadership-case/</loc>
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		<loc>https://clpblog.citizen.org/ftc-consumer-bureau-acting-director-pahl-ftc-will-continue-going-after-the-worst-of-the-worst/</loc>
		<lastmod>2018-02-10T09:03:35+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/how-mulvaney-can-sabotage-the-cfpbs-payday-lending-rule/</loc>
		<lastmod>2018-02-10T16:45:35+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/a-comment-on-the-second-circuits-arias-fdcpa-decision/</loc>
		<lastmod>2018-02-11T17:01:09+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/mandatory-arbitration-in-employment-contracts/</loc>
		<lastmod>2018-02-12T12:05:26+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/npr-reports-mulvaney-was-involved-in-decision-to-dismiss-payday-lending-case-despite-earlier-cfpb-cl/</loc>
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		<loc>https://clpblog.citizen.org/presidents-budget-would-subject-cfpb-budget-to-industry-lobbyists/</loc>
		<lastmod>2018-02-12T19:29:37+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/cfpb-issues-new-strategic-plan-drawing-criticism-from-consumers-union/</loc>
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		<loc>https://clpblog.citizen.org/alabama-proposes-to-increase-time-to-repay-payday-loans/</loc>
		<lastmod>2018-02-13T11:01:54+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/wells-fargo-sends-38000-erroneous-letters-in-auto-flub/</loc>
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		<loc>https://clpblog.citizen.org/some-implications-for-consumer-law-on-dojs-policy-against-converting-guidance-into-binding-rules/</loc>
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		<loc>https://clpblog.citizen.org/third-circuit-letter-from-debt-collector-seeking-to-settle-a-time-barred-debt-could-violate-the-fdcp/</loc>
		<lastmod>2018-02-14T00:18:23+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/berkeley-center-for-consumer-law-and-economic-justice/</loc>
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		<loc>https://clpblog.citizen.org/berkeley-joins-georgetown-as-leading-consumer-law-schools-among-elite/</loc>
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		<loc>https://clpblog.citizen.org/cordray-op-ed-the-trump-administration-is-trying-to-undermine-the-cfpb-it-will-fail/</loc>
		<lastmod>2018-02-15T11:23:43+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/the-cfpbs-declaration-of-dependence/</loc>
		<lastmod>2018-02-15T13:03:56+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/mulvaney-was-actually-obliged-to-issue-the-strategic-plan/</loc>
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		<loc>https://clpblog.citizen.org/am-banker-mulvaney-looks-to-neuter-cfpbs-most-potent-weapon/</loc>
		<lastmod>2018-02-15T20:45:58+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/nelsonwright-article-applies-cba-to-state-unfairness-cases/</loc>
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		<loc>https://clpblog.citizen.org/sixth-circuit-holds-that-bare-allegation-of-fdcpa-statutory-violation-is-not-an-article-iii-injury-u/</loc>
		<lastmod>2018-02-16T16:06:50+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/todd-zywicki-cordrays-cfpb-pummeled-consumers/</loc>
		<lastmod>2018-02-19T15:58:26+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/cfpb-not-hiring-for-honors-attorney-program-this-year-under-any-name/</loc>
		<lastmod>2018-02-20T19:22:18+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/zywicki-vs-transunion/</loc>
		<lastmod>2018-02-21T15:23:39+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/mulvaneys-calendar-is-mostly-empty-of-cfpb-items-enforcement-deep-dive-takes-only-an-hour/</loc>
		<lastmod>2018-02-21T16:54:51+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/dojs-consumer-protection-branch/</loc>
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		<loc>https://clpblog.citizen.org/settle-or-litigate/</loc>
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		<loc>https://clpblog.citizen.org/study-finds-debt-collection-restraints-have-very-small-impact-on-credit-access-and-price/</loc>
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		<loc>https://clpblog.citizen.org/will-we-ever-learn-who-was-behind-the-equifax-breach/</loc>
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		<loc>https://clpblog.citizen.org/scotus-takes-new-arbitration-case/</loc>
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		<loc>https://clpblog.citizen.org/trump-administration-fights-states-crackdown-on-student-loan-collectors/</loc>
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		<loc>https://clpblog.citizen.org/when-will-mulvaneys-cfpb-announce-its-first-enforcement-action/</loc>
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		<loc>https://clpblog.citizen.org/concealing-required-disclosures-how-one-restaurant-hid-its-health-department-grade/</loc>
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		<loc>https://clpblog.citizen.org/politicos-victoria-guida-congress-rides-to-the-rescue-of-thriving-bankers/</loc>
		<lastmod>2018-03-15T11:38:41+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/house-bill-would-replace-cfpb-director-with-a-5-person-commission/</loc>
		<lastmod>2018-03-15T16:03:19+00:00</lastmod>
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		<lastmod>2018-03-16T12:47:04+00:00</lastmod>
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		<lastmod>2018-03-19T00:01:00+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/does-mulvaney-know-theres-a-difference-between-not-pushing-the-envelope-and-turning-the-cfpb-into-a/</loc>
		<lastmod>2018-03-19T12:34:51+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/colin-marks-paper-online-terms-as-in-terrorem-devices/</loc>
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		<loc>https://clpblog.citizen.org/commission-structure-for-cfpb-seems-even-less-likely-as-some-republicans-retreat-from-calls-for-it-t/</loc>
		<lastmod>2018-03-21T15:22:27+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/house-financial-services-committee-passes-troubling-bill-to-exempt-lawyers-engaged-in-litigation-act/</loc>
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		<lastmod>2018-03-22T10:45:07+00:00</lastmod>
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		<lastmod>2018-03-25T23:14:05+00:00</lastmod>
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		<lastmod>2018-03-26T21:40:09+00:00</lastmod>
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		<lastmod>2018-03-28T19:06:57+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/column-on-how-trump-is-rolling-back-state-specific-consumer-protections/</loc>
		<lastmod>2018-03-29T11:11:17+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/consumer-law-professor-dalie-jimenez-joining-ucla-faculty/</loc>
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		<loc>https://clpblog.citizen.org/fred-williams-report-on-complaints-about-credit-cards-to-cfpb-database/</loc>
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		<loc>https://clpblog.citizen.org/recent-activity-on-payday-loans-in-the-states/</loc>
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		<loc>https://clpblog.citizen.org/as-trump-and-pruitt-prepare-to-roll-back-the-obama-era-fuel-economy-standards-will-epa-go-to-war-wit/</loc>
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		<loc>https://clpblog.citizen.org/ny-ag-brings-loan-sharking-case-against-lucchese-organized-crime-family-for-charging-200-interest-wh/</loc>
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		<loc>https://clpblog.citizen.org/omri-ben-shahar-on-the-problem-of-the-california-disclosure-about-the-possiblity-that-coffee-causes/</loc>
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		<loc>https://clpblog.citizen.org/mulvaney-in-bureaus-semi-annual-report-calls-for-limiting-cfpb-independence/</loc>
		<lastmod>2018-04-02T16:52:05+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/mulvaney-cites-own-conduct-as-prime-reason-to-limit-cfpb-powers/</loc>
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		<loc>https://clpblog.citizen.org/post-by-steve-schultze-on-pacer-fees-decision/</loc>
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		<loc>https://clpblog.citizen.org/planet-money-podcast-mulvaney-vs-the-cfpb/</loc>
		<lastmod>2018-04-04T11:44:53+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/results-of-philly-soda-tax/</loc>
		<lastmod>2018-04-05T07:44:45+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/mulvaney-hikes-pay-of-political-appointees-at-cfpb/</loc>
		<lastmod>2018-04-06T08:35:35+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/some-questions-i-hope-members-of-congress-ask-mulvaney/</loc>
		<lastmod>2018-04-07T16:24:28+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/study-finds-widespread-sexual-orientation-and-intersectionality-discrimination-in-mortgage-lending/</loc>
		<lastmod>2018-04-08T16:57:20+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/read-ny-times-op-ed-by-gtown-law-prof-john-brooks-about-why-the-obama-student-loan-reforms-should-no/</loc>
		<lastmod>2018-04-09T11:05:10+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/should-consumer-protection-law-protect-consumers-when-they-are-sellers-not-just-when-they-are-buyers/</loc>
		<lastmod>2018-04-09T15:41:46+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/a-different-view-of-section-230-of-the-communications-decency-act/</loc>
		<lastmod>2018-04-09T15:52:23+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/mulvaney-attacks-cfpb-leakers-but-what-was-leaked/</loc>
		<lastmod>2018-04-09T19:53:22+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/banks-reported-to-praise-cfpb-action-against-wells-for-unauthorized-accounts/</loc>
		<lastmod>2018-04-09T20:10:55+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/ap-report-on-absence-of-cfpb-enforcement-actions/</loc>
		<lastmod>2018-04-10T17:06:30+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/how-long-will-mulvaney-gulp-lead-the-cfpb/</loc>
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		<loc>https://clpblog.citizen.org/payday-lending-group-sues-cfpb/</loc>
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		<loc>https://clpblog.citizen.org/reports-on-mulvaneys-testimony-before-the-house-financial-services-committee/</loc>
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		<loc>https://clpblog.citizen.org/cfpb-requesting-comment-on-consumer-complaint-database/</loc>
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		<loc>https://clpblog.citizen.org/english-v-trump-mulvaney-oral-argument-in-dc-circuit-coverage/</loc>
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		<loc>https://clpblog.citizen.org/the-hill-report-on-mulvaneys-senate-banking-appearance-warren-mulvaney-is-hurting-real-people-to-sco/</loc>
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		<loc>https://clpblog.citizen.org/my-suspicion-about-why-mulvaney-has-dismissed-only-one-of-cordrays-cfpb-cases-but-isnt-bringing-new/</loc>
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		<loc>https://clpblog.citizen.org/preemption-and-medical-product-liability/</loc>
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		<loc>https://clpblog.citizen.org/senate-likely-to-vote-to-rescind-cfpb-indirect-auto-guidance/</loc>
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		<loc>https://clpblog.citizen.org/more-on-congressional-effort-to-kill-cfpbs-indirect-auto-guidance/</loc>
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		<lastmod>2018-04-18T15:53:00+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/as-expected-feared-senate-votes-to-rescind-auto-lending-guidance/</loc>
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		<loc>https://clpblog.citizen.org/what-are-we-to-make-of-the-cfpbs-billion-dollar-wells-fine/</loc>
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		<loc>https://clpblog.citizen.org/report-that-racial-bias-widespread-in-customer-service/</loc>
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		<loc>https://clpblog.citizen.org/silber-stites-paper-on-merchant-authorized-consumer-cash-subsitutes/</loc>
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		<loc>https://clpblog.citizen.org/manufacturers-liability-for-crashes-in-automated-vehicles/</loc>
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		<loc>https://clpblog.citizen.org/what-would-you-like-to-see-in-a-consumer-law-casebook/</loc>
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		<loc>https://clpblog.citizen.org/guy-who-goes-by-nickname-mick-doesnt-want-cfpb-known-by-nickname/</loc>
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		<loc>https://clpblog.citizen.org/why-free-marketers-and-others-should-support-keeping-the-cfpb-complaint-database-public/</loc>
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		<loc>https://clpblog.citizen.org/shake-up-considered-on-how-banks-lend-to-the-poor/</loc>
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		<loc>https://clpblog.citizen.org/dalie-jimenez-article-argues-for-automatic-bankruptcy-of-longstanding-consumer-debts/</loc>
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		<loc>https://clpblog.citizen.org/when-has-mulvaney-met-with-consumer-advocates-which-ones/</loc>
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		<loc>https://clpblog.citizen.org/is-mulvaney-trying-to-get-cfpb-employees-to-quit/</loc>
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		<loc>https://clpblog.citizen.org/companies-with-the-most-complaints-in-cfpb-database-were-mulvaney-donors/</loc>
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		<loc>https://clpblog.citizen.org/some-big-problems-with-the-cfpbs-proposal-to-allow-debt-collectors-to-leave-limited-content-messages/</loc>
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	</url>
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		<loc>https://clpblog.citizen.org/study-shows-businesses-benefit-from-using-unenforceable-contract-terms/</loc>
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		<loc>https://clpblog.citizen.org/ninth-circuit-tcpa-survives-constitutional-challenge-after-minor-cosmetic-surgery/</loc>
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	<url>
		<loc>https://clpblog.citizen.org/ftc-investigates-youtube-for-violations-of-kids-privacy/</loc>
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	<url>
		<loc>https://clpblog.citizen.org/hunt-paper-promoting-the-purposes-of-student-loans-by-tempering-bankruptcy-nondischargeability/</loc>
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	<url>
		<loc>https://clpblog.citizen.org/crespi-paper-why-are-99-of-the-applications-for-debt-discharge-under-the-public-service-loan-forgive/</loc>
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		<loc>https://clpblog.citizen.org/is-regulation-by-enforcement-a-pretext-for-less-enforcement/</loc>
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		<loc>https://clpblog.citizen.org/court-finds-employees-have-standing-to-sue-after-databreach/</loc>
		<lastmod>2019-06-24T15:15:40+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/2d-annual-berkeley-consumer-law-scholars-conference-to-be-held-march-5-6/</loc>
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	</url>
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		<loc>https://clpblog.citizen.org/new-cert-petition-challenges-the-cfpbs-constitutionality/</loc>
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		<loc>https://clpblog.citizen.org/seventh-circuit-student-loan-borrowers-can-sue-servicers-under-state-consumer-protection-laws/</loc>
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	</url>
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		<loc>https://clpblog.citizen.org/more-on-surveillance-scoring/</loc>
		<lastmod>2019-06-28T18:36:16+00:00</lastmod>
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	<url>
		<loc>https://clpblog.citizen.org/ninth-circuit-issues-major-pro-consumer-decision-in-the-on-going-preemption-wars/</loc>
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	<url>
		<loc>https://clpblog.citizen.org/court-finds-consumer-has-standing-to-pursue-facta-violation/</loc>
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		<loc>https://clpblog.citizen.org/matt-bruckner-article-on-preventing-predation-in-fintech-lending/</loc>
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	</url>
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		<loc>https://clpblog.citizen.org/sixth-circuit-only-someone-who-liable-on-a-loan-is-a-borrower-who-can-sue-under-respa/</loc>
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		<loc>https://clpblog.citizen.org/settlement-reported-in-state-and-federal-investigations-into-equifax-data-breach/</loc>
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		<loc>https://clpblog.citizen.org/study-medicaid-expansion-under-affordable-care-act-saved-lots-of-lives-but-of-course-only-where-in-t/</loc>
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	</url>
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		<loc>https://clpblog.citizen.org/watch-these-debt-defense-videos-from-the-national-association-of-consumer-advocates/</loc>
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		<loc>https://clpblog.citizen.org/eleventh-circuit-rejects-class-action-attorneys-fee-multiplier/</loc>
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	</url>
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		<loc>https://clpblog.citizen.org/the-conflict-between-the-increasingly-restrictive-due-process-constraints-on-personal-jurisdiction-a/</loc>
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		<loc>https://clpblog.citizen.org/the-conservative-case-for-class-actions/</loc>
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	</url>
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	</url>
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	</url>
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		<loc>https://clpblog.citizen.org/wsj-article-about-how-debt-settlement-firms-can-harm-consumers/</loc>
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	</url>
	<url>
		<loc>https://clpblog.citizen.org/call-for-abstracts-for-second-annual-berkeley-consumer-law-scholars-conference/</loc>
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	</url>
	<url>
		<loc>https://clpblog.citizen.org/ninth-circuit-holds-that-erisa-claims-are-arbitrable-overruling-its-own-precedent-based-on-recent-su/</loc>
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	</url>
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		<loc>https://clpblog.citizen.org/oh-where-oh-where-has-verification-gone-in-the-cfpbs-proposed-fdcpa-regulation/</loc>
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	<url>
		<loc>https://clpblog.citizen.org/cfpb-is-hiring-after-significant-loss-of-staff-under-trump/</loc>
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	</url>
	<url>
		<loc>https://clpblog.citizen.org/eleventh-circuit-says-no-article-iii-standing-in-tcpa-suit-over-receipt-of-one-unsolicited-text-mess/</loc>
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	<url>
		<loc>https://clpblog.citizen.org/what-consumer-protection-law-can-do-when-the-faa-doesnt-get-in-the-way-eleventh-circuit-strikes-down/</loc>
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	</url>
	<url>
		<loc>https://clpblog.citizen.org/ninth-circuit-foias-reading-room-provision-is-judicially-enforceable/</loc>
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	</url>
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		<loc>https://clpblog.citizen.org/james-nehf-paper-the-failure-of-notice-and-consent-as-effective-consumer-policy/</loc>
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		<loc>https://clpblog.citizen.org/companies-lobby-for-changes-to-californias-consumer-privacy-law/</loc>
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		<loc>https://clpblog.citizen.org/dept-of-ed-rejects-99-of-requests-for-public-service-loan-forgiveness/</loc>
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		<loc>https://clpblog.citizen.org/how-amazon-hooked-america-on-fast-delivery-while-avoiding-responsibility-for-crashes/</loc>
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		<loc>https://clpblog.citizen.org/take-the-abusiveness-challenge-identify-a-valuable-consumer-financial-product-not-offered-because-of/</loc>
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		<loc>https://clpblog.citizen.org/cpfb-head-misguided-in-reliance-on-consumer-education/</loc>
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		<loc>https://clpblog.citizen.org/read-this-op-ed-on-cfpbs-proposed-rule-authorizing-debt-collection-harassment/</loc>
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		<loc>https://clpblog.citizen.org/consumer-law-professors-who-want-to-read-or-sign-on-to-a-comment-on-the-cfpbs-proposed-debt-collecti/</loc>
		<lastmod>2019-09-15T21:02:51+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/more-responses-to-the-higbee-trolling-operation/</loc>
		<lastmod>2019-09-16T10:55:57+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/cfpb-abandons-defense-of-its-own-constitutionality/</loc>
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		<loc>https://clpblog.citizen.org/our-federal-financial-regulators-are-busy-defending-predatory-loans/</loc>
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		<loc>https://clpblog.citizen.org/house-passes-bill-to-end-forced-arbitration-clauses/</loc>
		<lastmod>2019-09-20T14:00:56+00:00</lastmod>
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		<loc>https://clpblog.citizen.org/may-a-company-get-an-injunction-to-block-a-defendant-from-invoking-the-streisand-effect/</loc>
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