On August 17th, the Consumer Financial Protection Bureau published for comment proposed rules meant to bring greater accountability to the mortgage loan origination market. The Dodd-Frank Act places certain restrictions on the points and fees offered with most mortgages and the qualification and compensation of loan originators. Among other things, the proposal would allow lenders to continue to offer loans with lower interest payments if upfront points and fees are paid. In addition to regulating upfront points and fees, the CFPB proposes changes to existing rules governing mortgage loan originators' qualifications and compensation. Comments should be submitted on or before October 16, 2012. CFPB Press Release.