Inside sources say financial regulators at the end of this month will introduce a rewritten rule governing so-called qualified residential mortgages and securitization. The original 2011 proposal would have required lenders to retain a stake in loans with less than a 20 percent down payment and in cases where borrowers were investing more than 36 percent of their income on all debt each month. Consumer groups and housing industry participants opposed the rule, so a panel of representatives from six federal agencies have drafted a new plan that raises the monthly debt-to-income threshold for risky mortgages from 36 percent to 43 percent. It also will carve out home loans backed by Fannie Mae or Freddie Mac, according to one insider. The Federal Reserve, FDIC, HUD, Federal Housing Finance Agency, Office of the Comptroller of the Currency, and the SEC will solicit public comment before each votes on the final rule.