Aims. We investigate the evolution of X-ray selected tidal disruption events. Methods. New events are found in near real-time data from XMM-Newton slews, and are monitored by multi-wavelength facilities. Results. In August 2016, X-ray emission was detected from the galaxy XMMSL2 J144605.0+685735 (also known as 2MASX 14460522+6857311), that was 20 times higher than an upper limit from 25 years earlier. The X-ray flux was flat for ∼ 100 days and then fell by a factor of 100 over the following 500 days. The UV flux was stable for the first 400 days before fading by a magnitude, while the optical (U,B,V) bands were roughly constant for 850 days. Optically, the galaxy appears to be quiescent, at a distance of 127 ± 4 Mpc (z=0.029 ± 0.001) with a spectrum consisting of a young stellar population of 1-5 Gyr in age, an older population, and a total stellar mass of ∼ 6 × 10 9 M ⊙ . The bolometric luminosity peaked at L bol ∼ 10 43 ergs s −1 with an X-ray spectrum that may be modelled by a power law of Γ ∼ 2.6 or Comptonisation of a low-temperature thermal component by thermal electrons. We consider a tidal disruption event to be the most likely cause of the flare. Radio emission was absent in this event down to < 10µJy, which limits the total energy of a hypothetical off-axis jet to E < 5 × 10 50 ergs. The independent behaviour of the optical, UV, and X-ray light curves challenges models where the UV emission is produced by reprocessing of thermal nuclear emission or by streamstream collisions. We suggest that the observed UV emission may have been produced from a truncated accretion disc and the X-rays from Compton upscattering of these disc photons.