A copy of Erik Kemp’s and Scott Hyman’s article “The Consumer Financial Protection Bureau Regulates Pay-by-Phone “Convenience” Fees”, CFSC Newsletter: ABA Business Law Section, (March 2018) can be found here:
https://www.americanbar.org/content/dam/aba/administrative/business_law/newsletters/CL230000/full-issue-201803.authcheckdam.pdf