H.R. 1210 would weaken the CFPB's Ability-to-Repay standards for mortgage loans. These standards are designed to protect consumers against the kind of toxic and exploitative mortgage loans which helped cause the financial crisis and led to massive consumer losses, and should not be weakened. The bill would allow depository institutions that hold a loan in portfolio to receive a legal safe harbor, even if the loans present safety and soundness concerns and contain terms and features that are abusive and harmful to consumers.