The changes the Consumer Financial Protection Bureau recently made to the points-and-fees calculation for “qualified mortgages” under its ability-to-repay final rule get rid of some of the double counting of loan originator compensation that was anticipated under the original rule, and make it easier to calculate who gets paid how much. But while several industry groups are generally pleased with the changes, mortgage brokers say the new rule leaves them at a huge competitive disadvantage. “By excluding from the points and fees calculation compensation paid...