As the LA Times explains:
The Consumer Financial Protection Bureau is considering new rules on mortgage fees, including banning origination charges based on the size of the loan. The agency, which said the new rules would make it easier for potential home buyers to understand and compare mortgages, also is proposing that brokers and loan officers undergo criminal background checks and go through special training. ... One proposal the agency is considering would require flat origination fees so that consumers could more easily compare mortgages. The amount of work required to originate a mortgage doesn't vary with its size, so agency officials argued that the origination fee shouldn't either. The agency also wants to make changes to discount points — a form of pre-paid interest — to prevent consumers from being misled about how much of a break they are receiving.