George Friedman, a board member of Arbitration Resolution Services, gave a keynote address at a securities conference predicting developments in securities, consumer, and employment arbitration between 2013-2018. He predicted that (1) the CFPB would ban pre-dispute arbitration agreements in many consumer contracts by 2015, (2) the SEC would act to prohibit mandatory PDAAs for investors in 2015, and (3) Congress would pass a modified Arbitration Fairness Act in 2017 requiring greater fairness in consumer and employment arbitration. He concluded that the future of arbitration remained unwritten.