Lenders warn that the Consumer Financial Protection Bureaus proposed changes to stringent rules for high-cost mortgages will dramatically restrict credit availability for borrowers. Consumer advocates counter that the CFPBs proposal to expand coverage of the Home Ownership and Equity Protection Act is appropriate and they are concerned with potential evasion of the pending rule. The high-cost proposal would inevitably result in the further tightening of credit, even for creditworthy applicants, ...