On July 10th, the Consumer Financial Protection Bureau published amendments to its Ability-to-Repay and mortgage servicing rules. The amendments clarify how to determine a consumer's debt-to-income ratio; make clear that CFPB authority on servicing, from the Real Estate Settlement Procedures Act, does not preempt the field of possible mortgage servicing regulation by states; establish which mortgage loans to consider in determining small servicer status; and clarify the eligibility standard of the temporary Qualified Mortgage provision. CFPB Press Release.