With a handful of pivotal mortgage lending and servicing rules from the Consumer Financial Protection Bureau going live at the end of this week, industry representatives have been readying themselves to cross the threshold while not quite certain about how complete compliance is going to be or how much access to mortgage credit might be crimped. Of the four rules that kick in on Jan. 10 – those dealing with ability-to-repay/qualified mortgages, loan originator compensation, mortgage servicing, and high-cost mortgages – clearly the ATR rule continues to consume most of the oxygen in the room. One of the biggest points of uncertainty has to do...