Can anyone confirm - wil l the 43% become applicable to everyone on 10/1/22 or not? I understand Appenix Q is gone but wasn't sure about the 43% or the impact of the 10/1/22 changes on banks that do not sell to the secondary market.

The 43% DTI sunsets on October 2022 if you are using the legacy General QM category.

Prior to the effective date of the 2021 General QM Amendments, § 1026.43(e)(2) provided a qualified mortgage definition that, among other things, required that the ratio of the consumer’s total monthly debt to total monthly income at the time of consummation not exceed 43 percent. The 2021 General QM Amendments removed that requirement and replaced it with the annual percentage rate thresholds in § 1026.43(e)(2)(vi), among other revisions. Both the qualified mortgage definition in § 1026.43(e)(2) that was in effect prior to the 2021 General QM Amendments and the qualified mortgage definition in § 1026.43(e)(2) as amended by the 2021 General QM Amendments are available to creditors for transactions for which a creditor received an application on or after March 1, 2021 but prior to October 1, 2022.