The law is Dodd-Frank and the regulations made pursuant to it. It has totally screwed up the mortgage business. And probably everything else financially as well. Another albatross of a piece of legislation thanks to the Democrats and Obama.You haven't proven that the "new" regulation exists.
Provide a link to this regulation you are speaking of.
Prove where it came from, who implemented it, and when it took effect.
Then link the bill and the specific text that is germane to Mud's claim.
Go read the bill, jerk off.