Mortgage lenders would have to give consumers the option of a no-point, no-fee loan under proposed rules put forward by the Consumer Financial Protection Bureau with the intention of helping consumers understand mortgage costs and comparison shop.The proposed rules would require that lenders provide an interest-rate reduction when consumers elect to pay upfront points or fees."Consumers have a hard time comparing loans when they are dealing with a bewildering array of points and fees," said CFPB Director Richard Cordray in a statement. "We want to provide consumers with clearer options and enable them to choose the loan that they believe is right for them."In its latest proposal, the CFPB is backing down from a plan to ban origination points that vary with the size of t...