On May 29th, the Consumer Financial Protection Bureau published new final rules providing specific exemptions and modifications to the CFPB's Ability-to-Repay rule for small creditors, community development lenders, and housing stabilization programs. The amendments also revise rules on how to calculate loan origination compensation for certain purposes. The new rules amend the CFPB's Ability-to-Repay rule, which was finalized in January of this year. The amendments are effective January 14, 2013. CFPB Press Release.