Banks are facing big changes in how they compensate mortgage brokers and charge for ancillary services, such as title searches, unless they can convince the Consumer Financial Protection Bureau to modify a provision in its new rules governing mortgage lending.

The provision tucked into the qualified mortgage rules released in January would impose a 3% cap on points and fees that bank affiliates can charge consumers for home inspections, closing costs and a range of other mortgage-related services. Consumer advocates have long sought to rein in such fees, claiming borrowers often are held captive to lenders' third-party affiliates and have little incentive to shop around for lower prices.

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