,,iv  #aaf? ,,congress  #a/ ,session    
,h4 ,,res4 #gbh  ,,9 ,,! ,,h\se ,,(     
,,repres5tatives  ,novemb] #ba1         
#bjai,mr4 ,gre5 ( ,texas 7= himself1    
,ms4 ,g>cia ( ,texas1 ,mr4 ,david ,scott
 ( ,georgia1 & ,mr4 ,mc,govern7 submitt$
 ! foll[+ resolution2 :i* 0 ref]r$ to ! 
,committee on ,f9ancial ,s]vices        
,,resolution  ,condemn+ ! decision (    
,f$]al ,h\s+ ,f9ance ,ag5cy ,director   
,m>k ,a4 ,calabria to remove ! borr[]'s 
pref]r$ language "q & ! h\s+ c\nsel+ "q 
f ! ,univ]sal ,resid5tial ,loan         
,application4  ,:]eas #h p]c5t ( !      
,unit$ ,/ates population 7#be4a million7
 is consid]$ limit$-,engli% pr(ici5t    
7,,lep72 ,:]eas ! pref]r$ language "q 0 
design$ only to bett] und]/& ! unique   
*all5ges t ,,lep p]sons face ?r\gh\t !  
home buy+ process2 ,:]eas language      
b>ri]s make x especially difficult to   
navigate ! complex process ( pur*as+ a  
home2 ,:]eas ov] "o-?ird ( ,asian       
,am]icans & ,pacific ,isl&]s 7,,aapi7   
are ,,lep individuals2 ,:]eas ,spani%   

speak]s 9 ! ,unit$ ,/ates acc\nt = #fd  
p]c5t ( ! ,unit$ ,/ates ,,lep           
population2 ,:]eas ,,lep home buy]s make
 up a gr[+ %>e ( ! mortgage m>ket2      
,:]eas communities ) l>g] ,,lep         
populations h l[] home own]%ip rates2   
,:]eas e ,am]ican1 reg>dless ( _! race1 
color1 g5d]1 sexual ori5tation1         
religion1 national orig91 disability1   
,,lep /atus1 or g5d] id5tity %\ld h a   
fair & equal opportunity to pur*ase a   
home 9 ?is c\ntry2 ,:]eas ! #bjjh       
f9ancial crisis caus$ c\ntless borr[]s  
to lose _! homes because language b>ri]s
 made x impossible to compreh5d ! t]ms (
 ! loans "s ( !m receiv$2 ,:]eas access 
to cr$it & home own]%ip is a /ruggle =  
f> too _m qualifi$ home buy]s :o are new
 ,am]icans or immigrants2 ,:]eas ,,aapi 
& ,hispanic home own]%ip cont9ues to    
fall beh9d ! national av]age due to a   
numb] ( factors1 includ+ language b>ri]s
 & mis9=mation ab\t ! home buy+ process2
 ,:]eas ! ,f$]al ,h\s+ ,f9ance ,ag5cy   
%\ld collect data on ! pref]r$ language 

( borr[]s to bett] und]/& & address !   
gr[+ ne$s ( ,,lep home buy]s2 & ,:]eas a
 /&>diz$ "q on ! ,univ]sal ,resid5tial  
,loan ,application 7,,urla7 indicat+ !  
borr[]'s pref]r$ language nei!r         
obligates home buy]s to respond nor     
mortgage orig9ators & s]vic]s to conduct
 communications 9 ! pref]r$ language ( !
 borr[]3 ,n[1 !re=e1 be x  ,t ! ,h\se ( 
,repres5tatives-- 7#a7 condemns !       
decision ( ,f$]al ,h\s+ ,f9ance ,ag5cy  
,director ,m>k ,a4 ,calabria to remove !
 pref]r$ language "q f ! ,univ]sal      
,resid5tial ,loan ,application2 &  7#b7 
urges ! ,director to imm$iately rev]se  
?is arbitr>y decision & re/ore !        
language pref]5ce "q & ! ,home[n]%ip    
,education & ,h\s+ ,c\nsel+ "q to !     
,univ]sal ,resid5tial ,loan             
,application4