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Rep. Bill Huizenga (R-Mich.) last week introduced a pared-down version of the Consumer Mortgage Choice Act (H.R. 3211),  a bill which would address some credit union concerns regarding point and fee definitions in the Consumer Financial Protection Bureau's amended final "Ability to Repay" rule.

The CFPB's "Ability to Repay" rule, which will require lenders to determine a borrower's ability to repay before writing a mortgage loan, is slated to take effect on Jan. 10, 2014. CUNA remains concerned about the definition of points and fees in the rule, CUNA President/CEO Bill Cheney wrote. "Specifically, we are concerned that the inclusion of affiliated title charges remains as part of the points and fees definition," he said.  Read More

 

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