As the initial anxiety over the CFPB’s plan to end the qualified mortgage “patch” fades, mortgage industry participants are assessing their options.

Buyers of mortgage servicing rights should be held responsible for violations that occur after the transfer, even if certain obligations were subcontracted out, the CFPB said in a recent court filing.

The CFPB’s review of a fintech company’s lending practice shows that using alternative data could expand credit access and at the same time allow lenders to remain compliant with fair lending laws.