Of all of the new rules that the CFPB implemented in January, perhaps the one with the most negative impact on the majority lenders is the 3% restriction that is part of the regulator’s Ability-to-Repay/Qualified Mortgage rule. With a stroke of its pen, the industry’s new regulator limited the amount of money a lender can make on a mortgage loan. Well, at least that’s what a lot of lenders seem to think.