In addition to the ability-to-repay rule itself, the CFPB has issued a proposal to seek comment on whether to adjust the final rule for certain community-based lenders, housing stabilization programs, certain refinancing programs of Fannie Mae or Freddie Mac and federal agencies, and small portfolio creditors. The bureau wants to know whether the rule should be modified to address potential adverse consequences on certain narrowly-defined categories of lending programs. Specifically, the proposal includes amendments...