The Consumer Financial Protection Bureau decided not to count compensation a lender pays its loan officer employees toward the 3% points and fees cap in the Qualified Mortgage rule, National Mortgage News reports.

“The fact that they are not including compensation paid to a loan officer is huge,” said Larry Platt, a partner at K&L Gates. “I think they listened to the industry,” he said, and realized that adding LO compensation to the points and fees would have an adverse impact on the availability of credit.