I think because the court ruled that the agency is unconstitutional it calls into question all of the agency regs which would include mortgage regs
gov will appeal no doubt
https://www.consumerfinancemonitor.com/2022/10/27/cfpb-responds-to-fifth-circuit-ruling-that-its-funding-mechanism-is-unconstitutional/
“CFPB responds to Fifth Circuit ruling that its funding mechanism is unconstitutional”