In wake of the housing crisis, there's a new federal rule, going into effect next year, that intends to ensure that folks who get a mortgage are able to afford it.&nbsp; The rule includes limits on fees and mortgage payment as percentage of income.&nbsp; Defaulters will have little recourse.&nbsp; What a concept!&nbsp; Read more:&nbsp; <a href="http://www.usatoday.com/story/money/business/2013/01/09/consumer-financial-protection-mortgage/1821329/">www.usatoday.com/story/money/business/2013/01/09/consumer-financial-protection-mortgage/1821329/</a><br />