The Consumer Financial Protection Bureau finalized clarifications, which were first proposed in April, to its ability-to-repay and mortgage servicing rules Wednesday.

The changes, which will go into effect January 2014, will help bankers determine what loans are considered a qualified mortgage and include what lenders can use to calculate a borrower's debt-to-income ratio.

Since the CFPB, created under the Dodd-Frank Act, issued the rules in January, the agency has released several amendments on how lenders must comply with the rules for next year.

"We know that effective implementation helps our rules deliver their intended value to consumers," said CFPB Director Richard Cordray in a press release. "We are listening closely to feedback on our rules, and today's clarifications show our willingness to make appropriate adjustments to achieve that goal."

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