The final Ability-To-Repay/QM rule and related proposals to amend the rule are nearly 1,000 pages long. The implications of the rule for the mortgage industry and consumers will be wide-reaching and will stem from the significant regulatory and litigation risks presented by the rule. 


  • The liability risk for violations of the rule 
  • The basic repayment ability determination requirements 
  • How the qualified mortgage requirements differ from the basic requirements 
  • Practical differences between the safe harbor for lower-priced qualified mortgages and the rebuttable presumption for higher-priced qualified mortgages 
  • How litigation may differ between qualified mortgages under the safe harbor and qualified mortgages under the rebuttable presumption 
  • The relationship of the points and fees limit for qualified mortgages and payments received by affiliates and loan originators 
  • The proposed changes regarding inclusion of loan originator compensation in points and fees 
  • The proposed exemptions from the rule for HAMP/HARP-type programs, housing finance agency programs, and small creditors  


12:00 PM - 1:00 PM ET | Webinar


Richard J. Andreano, Jr., Practice Leader, Mortgage Banking Group

Martin C. Bryce, Jr., Partner, Mortgage Banking Group

There is no cost to attend. This program is not eligible for continuing education credits.

Please register at least two days before the webinar. Login details will be sent to all approved registrants. For more information, contact Lisa Prickril at

Related Practices

Consumer Financial Services
Mortgage Banking