---
title: CFPB Releases Ability To Repay + Qualified Mortgage Tools
description: BCC offers online banking regulations training & consulting - CFPB Releases Ability To Repay and Qualified Mortgage Tools and an Additional Proposal
---

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# [CFPB Releases Ability To Repay + Qualified Mortgage Tools](https://blog.bankerscompliance.com/en/cfpb-releases-ability-repay-qualified-mortgage-tools-additional-proposal)

 Written by [Diane Dean](https://blog.bankerscompliance.com/en/author/diane-dean) | May 17, 2013 1:17:57 PM

The CFPB has released a [Comparison chart](http://www.consumerfinance.gov/regulations/ability-to-repay-and-qualified-mortgage-standards-under-the-truth-in-lending-act-regulation-z/) and [Small Entity Compliance guide](http://www.consumerfinance.gov/regulations/ability-to-repay-and-qualified-mortgage-standards-under-the-truth-in-lending-act-regulation-z/) intended to help institutions understand the requirements of the [Ability to Repay/Qualified Mortgage final rule](http://www.consumerfinance.gov/regulations/ability-to-repay-and-qualified-mortgage-standards-under-the-truth-in-lending-act-regulation-z/).  The Comparison chart illustrates the differences between the general ability to repay requirements and the requirements for originating qualified mortgage loans.  While the Guide is in a Q&A format intended to be easier to read, the CFPB does not consider either the Chart or the Guide to be a suitable replacement for reading the rule itself.

You may have also seen the CFPB released another [proposal](http://www.consumerfinance.gov/regulations/ability-to-repay-and-qualified-mortgage-standards-under-the-truth-in-lending-act-regulation-z/) intended to provide additional clarification on the Final Ability to Repay/Qualified Mortgage and Mortgage Servicing Rules.  The proposal addresses the preemption of state laws; the determination of a small servicer, including when loans are serviced on a charitable basis; the government program eligibility status for certain loans to qualify as special qualified mortgages; and the requirements for qualified mortgages under Appendix Q.  The proposal does not include any significant changes, but it could lessen the burden a little bit.  I guess we’ll take what we can get, right?  We will continue to monitor this proposal to see how and when it is finalized.

Published  
 2013/05/17  
 Diane Dean

[View full post](https://blog.bankerscompliance.com/en/cfpb-releases-ability-repay-qualified-mortgage-tools-additional-proposal)

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