diff --git a/src/user_filter.cpp b/src/user_filter.cpp
index e900e6d..de4d211 100644
--- a/src/user_filter.cpp
+++ b/src/user_filter.cpp
@@ -95,8 +95,7 @@ void UserFilter<set_body_flag, require_admin>::doFilter(const HttpRequestPtr &re
             }
         }
     }
-    const auto &resp = HttpResponse::newCustomHttpResponse(BankResponse(k401Unauthorized, "\"Invalid Credentials\""));
-    fcb(resp);
+    fcb(HttpResponse::newCustomHttpResponse(BankResponse(k401Unauthorized, "\"Invalid Credentials\"")));
 }
 
 template class UserFilter<true, false>;  //user default