,i  #aaf? ,,congress  #a/ ,session  ,h4 
,r4 #dghc  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,octob] #bb1 #bjai,mr4
 ,gre5 ( ,texas 7= himself1 ,ms4 ,judy  
,*u ( ,cali=nia1 ,ms4 ,g>cia ( ,texas1 &
 ,mr4 ,clay7 introduc$ ! foll[+ bill2   
:i* 0 ref]r$ to ! ,committee on         
,f9ancial ,s]vices  ,a ,,bill  ,to      
require ! ,director ( ! ,f$]al ,h\s+    
,f9ance ,ag5cy to require ea* ent]prise 
to include a pref]r$ language "q on ! =m
 kn[n z ! ,uni=m ,resid5tial ,loan      
,application1 & = o!r purposes4  #a4    
,%ort title ,?is ,act may be cit$ z !   
,,lep ,data ,acquisition 9 ,mortgage    
,l5d+ ,act4  #b4 ,pref]r$ language "q   
,subp>t ,a ( "p #b ( subtitle ,a ( title
 #ac ( ! ,h\s+ & ,community ,developm5t 
,act ( #aiib 7#ab ,u4,s4,c4 #deda et    
seq47 is am5d$ by add+ at ! end !       
foll[+3  #acbi4 ,uni=m ,resid5tial ,loan
 ,application  7a7 ,9 g5]al ,! ,director
 %all1 n lat] ?an ,febru>y #a1 #bjbj1   
require ea* ent]prise to include a      
pref]r$ language "q1 t is optional =    

borr[]s1 on ! =m kn[n z ! ,uni=m        
,resid5tial ,loan ,application & include
 su* "q 9 ! =m 9 :i* x 0 pres5t$ =      
inclusion on ! ,uni=m ,resid5tial ,loan 
,application by ! ,f$]al ,h\s+ ,f9ance  
,ag5cy on ,octob] #bj1 #bjag z also     
writt5 9 subsection 7b74  7b7 ,=m ( ,"q 
,! pref]r$ language "q on ! ,uni=m      
,resid5tial ,loan ,application %all read
 z foll[s3 ,language ,pref]5ce--,y\r    
loan transaction is likely to be        
conduct$ 9 ,engli%4 ,?is "q reque/s     
in=mation to see if communications are  
available to assi/ y 9 y\r pref]r$      
language4 ,please be aw>e t             
communications may ,,n be available 9   
y\r pref]r$ language4,optional--,m>k !  
language y w\ld pref]1 if available3    
,engli% -- ,*9ese -- ,korean -- ,spani% 
-- ,tagalog -- ,vietnamese -- ,o!r -- ,i
 d n wi% to respond4,y\r answ] w ,,n    
negatively affect y\r mortgage          
application4 ,y\r answ] does n mean !   
,l5d] or ,o!r ,loan ,p>ticipants agree  
to communicate or provide docum5ts 9 y\r

 pref]r$ language4 ,h[ev]1 x may let !m 
assi/ y or direct y to p]sons :o c assi/
 y4 ,language assi/ance & res\rces may  
be available ?r\gh h\s+ c\nsel+ ag5cies 
approv$ by ! ,u4,s4 ,dep>tm5t ( ,h\s+ & 
,urban ,developm5t4,to f9d a h\s+       
c\nsel+ ag5cy1 contact "o ( ! foll[+    
,f$]al ,gov]nm5t ag5cies3,u4,s4         
,dep>tm5t ( ,h\s+ & ,urban ,developm5t  
7,,hud7 at 7#hjj7 #efi-dbhg or          
www4hud4gov_/c\nsel+4,consum] ,f9ancial 
,protection ,bureau 7,,cfpb7 at 7#hee7  
#daa-bcgb or                            
www4consum]f9ance4gov_/f9d-ah\s+-c\nselo
r4  7c7 ,response data ,any response ( a
 borr[] to ! "q describ$ 9 subsection   
7a7 %all be record$ by ! mortgage       
orig9ator ( ! borr[] & su* mortgage     
orig9ator %all transf] ! record ( su*   
response to any p]son :o pur*ases or    
s]vices ! mortgage ( ! borr[]4  4