The Dodd-Frank Wall Street Reform and Consumer Protection Act makes several significant changes to the financial services landscape. For those involved in the mortgage process, one of the biggest is the mandate for an ability-to-repay rule. Ahead of final rules being released by the CFPB, representatives from both sides of the aisle introduced a bill that would change part of that definition, impacting affiliated businesses in the real estate and mortgage markets. After the bill came out, associations in favor of, and opposed to, the bill spoke out. We spoke to associations on both sides of the arguments to find out why passing the bill (or defeating it) was so important to them.