model will change thanks to the consumer financial protection bureau's new mortgage rules. when these rules go into effect, lenders will be able to issue a mortgage only after they determine that the borrower has the ability to repay it. lenders will no longer be able to make loans they know will blow up and then feed those dangerous loans into the financial system. because of the consumer agency's new rules, families will be safer, pension funds and other investors will be safer, our whole economy will be safer. not completely safe but with a new cop on the beat, it will be safer. the new rules will fix other problems as well. before the crisis, some mortgage brokers who were supposed to be helping consumers find the best mortgage were actually taking money from lenders to steer those consumers into high-cost loans. the cfpb's new rules will prohibit this sort of under-the-table dealing and protect consumers from being