As the Consumer Financial Protection Bureaus forthcoming ability-to-repay/qualified mortgage rulemaking continues to keep the mortgage lending community up at night, talk of a compromise legal standard has moved beyond the zero-sum/either-or approach that would involve either a rebuttal presumption or a safe harbor. Speaking at the North Carolina Bankers Associations American Mortgage Conference in Raleigh, NC, last week, some industry representatives suggested it could be both or more precisely, first one and then the other...