I am a mtg underwriter. I am not sure what this is or how they’re going to implement, but my best guess is that they are going to remove ‘preferred pricing’ right now there’s a rate break at 680 & usually another one at 720 (this varies at every bank). This is so the banks can price to the borrower & lend at better tens for more responsible people. My guess is that the rate break will no longer exist & borrowers won’t realize they’re paying a higher premium