Effectively, they may limit loan products that lenders offer if they have to constrain it to offer no-points, no fees, particularly if a lender is operating in a higher-cost area where the cost of their operations are higher, he says.No. 3: Copy of appraisal reportFinally, the CFPB has proposed an appraisal-related rule that calls for lenders to inform prospective homebuyers of their right to re