Loans eligible to be purchased, insured, or guaranteed by Fannie Mae, Freddie Mac, the Federal Housing Administration (FHA), the U.S. Department of Veterans Affairs, or the U.S. Department of Agriculture are automatically designated as QMs. This provision is slated to end no later than January 2021.
Along with  2  BIS Review 136/2009  improvement in global economy and financial market, those indicators have move back to their more normal level. The spread of JIBOR 1 month over BI Rate, for instance, has decline significantly at around 15 bps. Yield of SUN has declined to 10%-11% for the 10 years SUN and longer maturity.