Good Morning Bruce
Please take a look at hpadmin.com and click on programs.
Home modification has been around for a few years now and this site will show you the current programs and the paperrwork needed to apply.
I am not sure what rules, assuming it is the Dodd/Frank bill which you can review at this site, www.sec.gov/about/laws/wallstreetreform-cpa.pdf , it is already in place, but many provisions continue to be fought by the GOP. Banks are limited on what they can charge for fees and overdraft opt out programs are in place. Banks being profit driven are responding by raising credit card rates (also regulated now) and limiting borrowing power, which is not such a bad thing.
We have returned to buy what you can afford, pay off your credit card every month, buy a home with at leat 10% down, with payments at or less than 48% of your monthly income and keep your FICO score at at least 650.