Are the "Lines" in the housing market about to change?

The Consumer Financial Protection Bureau issued a rule last week that distinguishes between a "Qualified Mortgage"and a mortgage where a lender failed to properly assess a borrower's ability to pay.

Critics say the down payment and debt-to-income ratios will make it harder for low-to-middle income earners to own a home. Others say this will keep banks from targeting communities of color for predatory loans.
What do you think? How will the CFPB's rule shift race and class lines in the housing market? Tell us here.