The Consumer Financial Protection Bureau will soon govern the entire mortgage market. Will lenders, consumers and the bureau itself be ready? All Ann Jaedicke could do was shrug. As deputy comptroller for compliance policy at the Office of the Comptroller of the Currency, Jaedicke was under the lights at the Wolters Kluwer CRA & Fair Lending Colloquium in Las Vegas back in November as part of a panel of top lending regulators in the United State. Compliance officers from the Federal Reserve and the Federal Deposit Insurance Corp. were on the stage, too, as a panel attempting to describe to a roomful of expectant mortgage lenders, what would be expected of them come July 21.