Created in response to the post-crisis bifurcation of the secondary mortgage market, our Qualified Mortgage (QM) Task Force is gathering all segments of the industry to discuss, debate, and help craft policy proposals related to all aspects of Dodd-Frank’s Ability to Repay rule, especially the “QM Patch” currently utilized by the Government-Sponsored Enterprises (GSEs) and the CFPB’s Appendix Q. Gathering regulators, legislators, investors, and mortgage market participants allows this dynamic Taskforce to educate professionals on a broad array of impacts of the QM/ATR Rule while advocating for a smooth transition away from the QM Patch, which is set to expire in January, 2021.