Regulatory actions and lawsuits involving non-qualified mortgages have been essentially non-existent since the Consumer Financial Protection Bureau’s ability-to-repay rule took effect at the start of 2014. R. Andrew Arculin, counsel at the Venable law firm, noted that the broader economy has helped keep borrowers performing, limiting foreclosures to this point. “One of the lurking variables that I think people are concerned about is what happens if the market crashes and ...