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NCUA details QM delay impact on CUs The NCUA Monday issued a Regulatory Alert on the delayed compliance date of the CFPB’s qualified mortgage (QM) rule. The mandatory compliance date of the rule was recently delayed from July 1, 2021 to Oct. 1, 2022. The NCUA’s alert notes that the delay impacts two categories of QMs – general and the temporary government-sponsored enterprise (GSE) patch – in order to preserve flexibility for consumers, especially those impacted by the coronavirus pandemic. NAFCU is supportive of the delay to the QM rule’s compliance date, but has flagged concerns about the use of the GSE patch being limited by recent amendments to the GSEs’ Preferred Stock Purchase Agreements (PSPAs).

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