Lenders are stepping into a compliance era filled with complex mortgage rules and no-win situations, The Wall Street Journal says in a new report.

For starters, it’s unknown what standard will be used when judging lending practices that disparately impact minority communities.

Do lenders have to intend to discriminate to be liable under the Fair Housing Act? Or is it enough to show a lending policy disproportionately hurt one group?

Add in the qualified mortgage rule, and the marketplace is ripe for litigation and confusion.

The end result: some lenders may leave the space altogether, the WSJ says.