On June 24th, the Consumer Financial Protection Bureau issued proposed clarifications and revisions to its January 2013 mortgage rules. The revisions outline procedures for obtaining follow-up information on loss-mitigation applications, make it easier for servicers to offer short-term forbearance plans for delinquent borrowers who need only temporary relief, facilitate lending in rural and under-served areas, make clarifications about the financing of credit insurance premiums, clarify the definition of loan originator, clarify the points and fees thresholds for manufactured housing, and revise the effective dates for the Loan Originator rule and the ban on financing credit insurance. Comments should be submitted on or before July 22, 2013. CFPB Press Release.