Earlier this year, the Consumer Financial Protection Bureau (CFPB) issued revisions to Regulation Z, the Ability-to-Repay and Qualified Mortgage Standards under the Truth in Lending Act. The new rules will become effective January 10, 2014. Since the amendment of federal lending laws in 2010, many questions have emerged as to how regulators would define the qualified mortgage (QM) rule and the implications the new rule would have on the lending industry and potential borrowers. The Wall Street Journal answers the top ten questions surrounding the QM rule at http://on.wsj.com/W7dKW9. To read the final rule issued by the CFPB, go to http://1.usa.gov/UQEPeV.