,,ib  ,cal5d> ,no4 #bha  #aag?          
,,congress  #b;d ,session  ,h4 ,r4 #cjji
  ,report ,no4 #aag-cgj1 ,"p ,i  ,,9 ,,!
 ,,h\se ,,( ,,repres5tatives  ,may #g1  
#bjba ,ms4 ,g>cia ( ,texas introduc$ !  
foll[+ bill2 :i* 0 ref]r$ to !          
,committee on ,f9ancial ,s]vices1 & 9   
addition to ! ,committee on ,vet]ans'   
,affairs1 = a p]iod to be subsequ5tly   
det]m9$ by ! ,speak]1 9 ea* case =      
consid]ation ( su* provisions z fall )9 
! jurisdiction ( ! committee conc]n$    
,june #ae1 #bjbb ,additional sponsor3   
,mr4 ,gre5 ( ,texas  ,june #ae1 #bjbb   
,report$ f ! ,committee on ,f9ancial    
,s]vices ) an am5dm5t  ,june #ae1 #bjbb 
,committee on ,vet]ans' ,affairs        
dis*>g$2 committ$ to ! ,committee ( !   
,:ole ,h\se on ! ,/ate ( ! ,union &     
ord]$ to be pr9t$ ,/rike out all aft] ! 
enact+ clause & ins]t ! "p pr9t$ 9      
italic ,= text ( introduc$ bill1 see    
copy ( bill z introduc$ on ,may #g1     
#bjba  ,a ,,bill  ,to am5d ! ,tru? 9    
,l5d+ ,act & ! ,real ,e/ate ,settlem5t  

,proc$ures ,act ( #aigd to e/abli%      
language access requirem5ts = cr$itors &
 s]vic]s1 & = o!r purposes4  #a4 ,%ort  
title ,?is ,act may be cit$ z ! ,improv+
 ,language ,access 9 ,mortgage ,s]vic+  
,act ( #bjba4  #b4 ,language access     
requirem5ts & res\rces  7a7 ,9 g5]al    
,*apt] #b ( title ,i ( ! ,tru? 9 ,l5d+  
,act 7#ae ,u4,s4,c4 #afca et seq47 is   
am5d$ by ins]t+ aft] section #abi;,h !  
foll[+3  #abi;,i4 ,language access      
requirem5ts4  7a7 ,/&>d language        
pref]5ce =m ,n lat] ?an #ij days aft] ! 
date ( ! enactm5t ( ?is section1 !      
,director ( ! ,bureau ( ,consum]        
,f9ancial ,protection %all1 aft]        
consult+ ) ! ,secret>y ( ,agriculture1 !
 ,director ( ! ,f$]al ,h\s+ ,f9ance     
,ag5cy1 ! ,secret>y ( ,vet]ans ,affairs1
 & ! ,commission] ( ! ,f$]al ,h\s+      
,au?ority1 by rule1 e/abli% a /&>d      
language pref]5ce =m :i* includes a /&>d
 language pref]5ce "q ask$ 9 ea* ( ! #h 
languages mo/ commonly spok5 by         
individuals ) limit$ ,engli% pr(ici5cy1 

z det]m9$ by ! ,director ( ! ,bureau us+
 in=mation publi%$ by ! ,director ( !   
,bureau ( ! ,c5sus4  7b7 ,requirem5ts = 
cr$itors  7#a7 ,use ( /&>d language     
pref]5ce =m by cr$itors  7,a7 ,inclusion
 9 application ,ea* cr$itor %all        
include1 9 any writt5 application us$ 9 
connection ) a resid5tial mortgage loan1
 ! /&>d language pref]5ce =m e/abli%$ by
 ! ,director ( ! ,bureau "u subsection  
7a74  7,b7 ,inclusion ( disclosure ,ea* 
cr$itor may include ) su* /&>d language 
pref]5ce =m a disclosure /at+ t docum5ts
 & s]vices may n be available 9 !       
pref]r$ language indicat$ by ! consum]  
on ! /&>d language pref]5ce =m4  7,c7   
,docum5tation & transf] ( pref]r$       
language in=mation ,if a cr$itor1 or    
assignee ( a cr$itor receives in=mation 
ab\t a language pref]5ce ( a consum]    
?r\gh ! /&>d language pref]5ce =m1      
orally or 9 writ+ 9 connection ) a      
resid5tial mortgage loan1 z det]m9$ by !
 ,director ( ! ,bureau1 includ+ f ano!r 
cr$itor or a s]vic]1 su* cr$itor or     

assignee %all docum5t ?is language      
pref]5ce 9 ea* file or electronic file (
 in=mation associat$ ) su* consum] &    
%all transf] su* in=mation & ! /&>d     
language pref]5ce =m to any s]vic] ( !  
loan & to any cr$itor t may own ! loan 9
 ! future4  7#b7 ,provision ( translat$ 
docum5ts ,if a ,f$]al ag5cy or a ,/ate  
or local ag5cy 9 ! ,/ate or locality 9  
:i* ! resid5tial prop]ty is locat$ has  
produc$ a translation ( a docum5t us$ 9 
association ) a resid5tial mortgage loan
 9 ! pref]r$ language ( a consum]       
docum5t$ by a cr$itor pursuant to       
p>agraph 7#a77;,c71 su* cr$itor %all--  
7,a7 provide su* translation 9 addition 
to any ,engli% v]sion ( su* docum5t t   
w\ld h be5 provid$ to su* consum] :o    
indicat$ su* pref]r$ language2 &  7,b7  
include a notice on ! ,engli% &         
translat$ v]sions indicat+ t ! ,engli%  
v]sion is ! (ficial & op]ative docum5t &
 ! translat$ v]sion is = in=mational    
purposes only4  7#c7 ,oral int]pretation
 s]vices  7,a7 ,9 g5]al ,if a cr$itor   

receives in=mation ab\t a language      
pref]5ce ( a consum] ?r\gh ! /&>d       
language pref]5ce =m1 orally or 9 writ+ 
9 connection ) a resid5tial mortgage    
loan1 z det]m9$ by ! ,director ( !      
,bureau1 includ+ f ano!r cr$itor or a   
s]vic]1 su* cr$itor %all provide oral   
int]pretation s]vices to su* consum]4   
7,b7 ,oral int]pretation s]vices ,if a  
cr$itor is requir$ "u subp>agraph 7,a7  
to provide oral int]pretation s]vices to
 a consum]1 su* cr$itor %all ensure     
qualifi$ oral int]pretation s]vices1 z  
def9$ by ! ,director ( ! ,bureau1 are   
made available 9 ! pref]r$ language ( ! 
consum] = all oral communications betwe5
 ! su* cr$itor & ! consum] & ^! oral    
int]pretation s]vices may be provid$ by 
qualifi$ /aff ( ! cr$itor or a qualifi$ 
?ird p>ty4  7#d7 ,notice ( available    
language s]vices ,if a cr$itor receives 
in=mation ab\t a language pref]5ce ( a  
consum] ?r\gh ! /&>d language pref]5ce  
=m1 orally or 9 writ+ 9 connection ) a  
resid5tial mortgage loan1 z det]m9$ by !

 ,director ( ! ,bureau1 includ+ f ano!r 
cr$itor or a s]vic]1 su* cr$itor %all n 
lat] ?an #aj bus9ess days aft] receiv+  
su* in=mation1 notify su* consum] 9     
writ+1 9 ! pref]r$ language ( ! consum]1
 ( any language s]vices available1      
includ+ ! s]vices requir$ "u p>agraphs  
7#b7 & 7#c74  7#e7 ,transf] ( language  
pref]5ce in=mation ,if a cr$itor        
transf]s ! s]vic+ associat$ ) a         
resid5tial mortgage loan1 su* cr$itor   
%all notify ! transf]ee s]vic] ( any    
kn[n language pref]5ce ( ! consum]      
associat$ ) su* resid5tial mortgage     
loan4  7#f7 ,in=mation on website ,ea*  
cr$itor %all on ! website ( ! cr$itor   
publi%--  7,a7 l9ks to & explanatory    
in=mation ab\t ! websites ma9ta9$ by !  
,secret>y ( ,h\s+ & ,urban ,developm5t &
 ! ,director ( ! ,bureau ( ,consum]     
,f9ancial ,protection t id5tify h\s+    
c\nselors approv$ by ! ,dep>tm5t ( ,h\s+
 & ,urban ,developm5t2 &  7,b7 a l9k to 
& explanatory in=mation ab\t ! language 
res\rces website e/abli%$ by ! ,director

 ( ! ,bureau ( ,consum] ,f9ancial       
,protection1 ! ,secret>y ( ,h\s+ &      
,urban ,developm5t1 ! ,director ( !     
,f$]al ,h\s+ ,f9ance ,ag5cy1 ! ,secret>y
 ( ,agriculture1 & ! ,secret>y (        
,vet]ans ,affairs "u section #a7;e7 ( ! 
,improv+ ,language ,access 9 ,mortgage  
,s]vic+ ,act ( #bjba4  7c7 ,translation 
( mortgage docum5ts ,) respect to ea*   
docum5t publi%$ by ! ,f$]al ,h\s+       
,f9ance ,ag5cy1 ! ,bureau ( ,consum]    
,f9ancial ,protection1 ! ,dep>tm5t (    
,h\s+ & ,urban ,developm5t1 ! ,dep>tm5t 
( ,vet]ans ,affairs1 & ! ,dep>tm5t (    
,agriculture & us$ 9 association ) a    
resid5tial mortgage loan transaction1   
includ+ orig9ation & s]vic+ docum5ts1 ! 
,director ( ! ,bureau ( ,consum]        
,f9ancial ,protection & ! ,director ( ! 
,f$]al ,h\s+ ,f9ance ,ag5cy %all        
jo9tly-- 7#a7 n lat] ?an #ahj days aft] 
! date ( ! enactm5t ( ?is section1      
publi% v]sions ( su* docum5ts translat$ 
into ea* ( ! #h languages mo/ commonly  
spok5 by individuals ) limit$ ,engli%   

pr(ici5cy1 z det]m9$ by ! ,director ( ! 
,bureau ( ,consum] ,f9ancial ,protection
 us+ in=mation publi%$ by ! ,director ( 
! ,bureau ( ! ,c5sus2 &  7#b7 n lat] ?an
 #c ye>s aft] ! date ( ! enactm5t ( ?is 
section1 publi% v]sions ( su* docum5ts  
translat$ into at lea/ #d additional    
languages spok5 by individuals ) limit$ 
,engli% pr(ici5cy t are regionally      
preval5t 9 ! ,unit$ ,/ates1 z det]m9$ by
 ! ,director ( ! ,bureau ( ,consum]     
,f9ancial ,protection us+ in=mation     
publi%$ by ! ,director ( ! ,bureau ( !  
,c5sus4  7d7 ,rulemak+ ,! ,director may 
issue su* rules z ! ,director det]m9es  
necess>y to implem5t ?is section4  4    
7b7 ,requirem5ts = ,s]vic]s ,section #f 
( ! ,real ,e/ate ,settlem5t ,proc$ures  
,act ( #aigd is am5d$ by add+ at ! end !
 foll[+3  7n7 ,language access          
requirem5ts  7#a7 ,9 g5]al  7,a7        
,inclusion 9 notices ,ea* s]vic] %all   
include ! /&>d language pref]5ce =m )-- 
7i7 any notice requir$ "u section       
#ajbd4ci7;b7 ( title #ab1 ,code ( ,f$]al

 ,regulations2  7ii7 any notice requir$ 
"u section 7c72  7iii7 any notice       
requir$ "u section #ajbd4da7;b77#b7 (   
title #ab1 ,code ( ,f$]al ,regulations2 
7iv7 any notice requir$ "u section      
#ajbd4da7;c77#b77;iii7 ( title #ab1     
,code ( ,f$]al ,regulations2 &  7v7 any 
o!r additional notice z ! ,director ( ! 
,bureau ( ,consum] ,f9ancial ,protection
 det]m9es necess>y4  7,b7 ,inclusion (  
disclosures ,a s]vic] may include ) !   
/&>d language pref]5ce =m a disclosure  
/at+ t docum5ts & s]vices may n be      
available 9 ! pref]r$ language ( !      
borr[] indicat$ by ! consum] on ! /&>d  
language pref]5ce =m4  7,c7             
,docum5tation & transf] ( pref]r$       
language in=mation ,if a s]vic] or an   
assignee ( a s]vic] receives in=mation  
ab\t a language pref]5ce ( a borr[]     
?r\gh ! /&>d language pref]5ce =m1      
orally or 9 writ+ 9 connection ) a      
f$]ally relat$ mortgage1 z det]m9$ by ! 
,director ( ! ,bureau1 includ+ f ano!r  
s]vic] or cr$itor1 su* s]vic] or        

assignee %all docum5t ?is language      
pref]5ce 9 ea* file or electronic file (
 in=mation associat$ ) su* borr[] & %all
 transf] su* in=mation & ! /&>d language
 pref]5ce =m to any o!r s]vic] t may    
s]vice ! loan 9 ! future4  7#b7 ,requir$
 language s]vices = s]vic]s  7,a7       
,provision ( translat$ docum5ts ,if a   
,f$]al ag5cy1 or a ,/ate or local ag5cy 
9 ! ,/ate or locality 9 :i* ! prop]ty   
subject to ! f$]ally relat$ mortgage    
loan is to be locat$ has produc$ a      
translation ( a docum5t us$ 9 associat$ 
) a f$]ally relat$ mortgage loan 9 !    
pref]r$ language ( a borr[] z docum5t$  
by ! s]vic] pursuant to p>agraph        
7#a77;,c71 ! s]vic] %all--  7i7 provide 
su* translation 9 addition to any       
,engli% v]sion ( su* docum5t t w\ld h   
be5 provid$ to su* borr[]2 &  7ii7      
include a notice on ! ,engli% &         
translat$ v]sions1 9 ! pref]r$ language 
( ! borr[]1 indicat+ t ! ,engli% v]sion 
is ! (ficial & op]ative docum5t & !     
translat$ v]sion is = in=mational       

purposes only4  7,b7 ,oral int]pretation
 s]vices  7i7 ,9 g5]al ,if a s]vic]     
receives in=mation ab\t a language      
pref]5ce ( a borr[] ?r\gh ! /&>d        
language pref]5ce =m1 orally or 9 writ+ 
9 connection ) a f$]ally relat$         
mortgage1 z det]m9$ by ! ,director ( !  
,bureau1 includ+ f ano!r cr$itor or a   
s]vic]1 su* s]vic] %all provide oral    
int]pretation s]vices to su* borr[]4    
7ii7 ,oral int]pretation s]vices ,if a  
s]vic] is requir$ "u subp>agraph 7,a7 to
 provide oral int]pretation s]vices to a
 borr[]1 su* s]vic] %all ensure qualifi$
 oral int]pretation s]vices1 z def9$ by 
! ,director ( ! ,bureau1 are made       
available 9 ! pref]r$ language ( !      
borr[] = all oral communications betwe5 
! su* s]vic] & ! borr[] & ^! oral       
int]pretation s]vices may be provid$ by 
qualifi$ /aff ( ! borr[] or a qualifi$  
?ird p>ty4  7#c7 ,notice ( available    
language s]vices ,if a s]vic] receives  
in=mation ab\t a language pref]5ce ( a  
borr[] ?r\gh ! /&>d language pref]5ce   

=m1 orally or 9 writ+ 9 connection ) a  
f$]ally relat$ mortgage1 z det]m9$ by ! 
,director ( ! ,bureau1 includ+ f ano!r  
cr$itor or a s]vic]1 su* s]vic] %all1 n 
lat] ?an #aj bus9ess days aft] receiv+  
su* in=mation1 notify su* borr[] 9      
writ+1 9 ! pref]r$ language ( ! borr[]1 
( any language s]vices available1       
includ+ ! s]vices requir$ "u p>agraph   
7#b74  7#d7 ,transf] ( language pref]5ce
 in=mation ,if a s]vic] transf]s !      
s]vic+ associat$ ) a f$]ally relat$     
mortgage loan1 su* s]vic] %all notify ! 
transf]ee s]vic] ( any kn[n language    
pref]5ce ( ! borr[] associat$ ) su*     
f$]ally relat$ mortgage loan4  7#e7     
,/&>d language pref]5ce =m def9$ ,! t]m 
/&>d language pref]5ce =m means ! /&>d  
language pref]5ce =m e/abli%$ by !      
,director ( ! ,bureau "u section #abi;,i
 ( ! ,tru? 9 ,l5d+ ,act4  7#f7          
,in=mation on website ,ea* s]vic] %all  
on ! website ( ! s]vic] publi%--  7,a7  
l9ks to & in=mation ab\t ! websites     
ma9ta9$ by ! ,secret>y ( ,h\s+ & ,urban 

,developm5t & ! ,director ( ! ,bureau ( 
,consum] ,f9ancial ,protection t id5tify
 h\s+ c\nselors approv$ by ! ,dep>tm5t (
 ,h\s+ & ,urban ,developm5t2 &  7,b7 a  
l9k to & in=mation ab\t ! language      
res\rces website e/abli%$ by ! ,director
 ( ! ,bureau ( ,consum] ,f9ancial       
,protection1 ! ,secret>y ( ,h\s+ &      
,urban ,developm5t1 ! ,director ( !     
,f$]al ,h\s+ ,f9ance ,ag5cy1 ! ,secret>y
 ( ,agriculture1 & ! ,secret>y (        
,vet]ans ,affairs "u section #a7;e7 ( ! 
,improv+ ,language ,access 9 ,mortgage  
,s]vic+ ,act ( #bjba4  7#g7 ,rulemak+ ,!
 ,director ( ! ,bureau ( ,consum]       
,f9ancial ,protection may issue su*     
rules z ! ,director det]m9es necess>y to
 implem5t ?is section4  4  7c7 ,cl]ical 
am5dm5t ,! table ( sections 9 *apt] #b (
 ! ,tru? 9 ,l5d+ ,act 7#ae ,u4,s4,c4    
#afca et seq7 is am5d$ by ins]t+ aft] ! 
item relat+ to section #abi;,h ! foll[+3
  #abi;,i4 ,language access requirem5ts4
  4  7d7 ,report ,n lat] ?an #a ye> aft]
 ! date ( ! enactm5t ( ?is section1 &   

ea* ye> !reaft]1 ! ,director ( ! ,bureau
 ( ,consum] ,f9ancial ,protection1 !    
,secret>y ( ,h\s+ & ,urban ,developm5t1 
! ,director ( ! ,f$]al ,h\s+ ,f9ance    
,ag5cy1 ! ,secret>y ( ,agriculture1 & ! 
,secret>y ( ,vet]ans ,affairs %all      
submit a report to ! ,congress t        
conta9s-- 7#a7 regulatory recomm5dations
 to enhance mortgage orig9ation & s]vic+
 processes = p]sons ) a pref]r$ language
 t is n ,engli%2  7#b7 a description (  
any legislative *anges ne$$ to provide  
au?ority necess>y to implem5t !         
regulatory recomm5dations2 &  7#c7 a    
description ( any progress on !         
implem5tation ( any legislative or      
regulatory recomm5dation made 9 a       
previ\s report4  7e7 ,language res\rce  
website  7#a7 ,9 g5]al ,! ,director ( ! 
,bureau ( ,consum] ,f9ancial            
,protection1 ! ,secret>y ( ,h\s+ &      
,urban ,developm5t1 ! ,director ( !     
,f$]al ,h\s+ ,f9ance ,ag5cy1 ! ,secret>y
 ( ,agriculture1 & ! ,secret>y (        
,vet]ans ,affairs %all jo9tly n lat] ?an

 #a ye> aft] ! date ( ! enactm5t ( ?is  
section e/abli% & ma9ta9 a website t    
provides language res\rces = cr$itors1  
s]vic]s1 & consum]s4  7#b7 ,website     
requirem5ts ,! website develop$ pursuant
 to p>agraph 7#a7 %all include--  7,a7 !
 translations ( docum5ts publi%$        
pursuant to section #abi;,i7c7 ( ! ,tru?
 9 ,l5d+ ,act2  7,b7 a gloss>y ( t]ms   
relat+ to resid5tial mortgage loans &   
f$]ally relat$ mortgage loans1 provid$ 9
 ea* commonly spok5 language2  7,c7     
guidance = cr$itors & s]vic]s work+ )   
p]sons :o h a pref]r$ language t is n   
,engli%2 &  7,d7 examples ( notices t   
may be us$ by cr$itors & s]vic]s to in=m
 p]sons ( available language s]vices1   
provid$ 9 accordance ) section #f7n77#b7
 ( ! ,real ,e/ate ,settlem5t ,proc$ures 
,act ( #aigd & section #abi;,i ( ! ,tru?
 9 ,l5d+ ,act4  7f7 ,advisory gr\p  7#a7
 ,9 g5]al ,! ,director ( ! ,bureau (    
,consum] ,f9ancial ,protection %all     
e/abli% an advisory gr\p consi/+ (      
/akehold]s1 includ+ indu/ry gr\ps1      

consum] gr\ps1 civil rights gr\ps1 &    
gr\ps t h exp]i5ce improv+ language     
access 9 h\s+ f9ance transactions1 to   
provide advice to ! ,director ab\t--    
7,a7 issues t arise relat+ to mortgage  
orig9ation & s]vic+ processes = p]sons )
 a pref]r$ language t is n ,engli%2 &   
7,b7 ! developm5t ( ! /&>d language     
pref]5ce =m by ! ,director "u section   
#abi;,i7a7 ( ! ,tru? 9 ,l5d+ ,act2  7,c7
 updates to ! language res\rce website  
e/abli%$ by ! ,director ( ! ,bureau (   
,consum] ,f9ancial ,protection1 !       
,secret>y ( ,h\s+ & ,urban ,developm5t1 
! ,director ( ! ,f$]al ,h\s+ ,f9ance    
,ag5cy1 ! ,secret>y ( ,agriculture1 & ! 
,secret>y ( ,vet]ans ,affairs "u        
subsection 7e74  7#b7 ,requir$ consult+ 
,! ,director ( ! ,bureau ( ,consum]     
,f9ancial ,protection %all consult ) !  
advisory gr\p e/abli%$ pursuant to      
p>agraph 7#a7 ) respect to any issues t 
arise relat+ to mortgage orig9ation &   
s]vic+ processes = p]sons ) a pref]r$   
language t is n ,engli%4  7g7 ,h\s+     

c\nsel+ ag5cy language res\rces  7#a7   
,enhanc$ se>* capabilities  7,a7 ,,hud  
,! ,secret>y ( ,h\s+ & ,urban           
,developm5t %all n lat] ?an #a ye> aft] 
! date ( ! enactm5t ( ?is section update
 ! website ma9ta9$ by ! ,secret>y t     
id5tifies h\s+ c\nselors approv$ by !   
,dep>tm5t ( ,h\s+ & ,urban ,developm5t1 
to all[ = se>*+ = h\s+ c\nsel+ ag5cies  
bas$ on ! language s]vices !y provide4  
7,b7 ,bureau ,! ,director ( ! ,bureau ( 
,consum] ,f9ancial protection %all n    
lat] ?an #a ye> aft] ! date ( ! enactm5t
 ( ?is section update ! website ma9ta9$ 
by ! ,director t id5tifies h\s+         
c\nselors approv$ by ! ,dep>tm5t ( ,h\s+
 & ,urban ,developm5t1 to all[ = se>*+ =
 h\s+ c\nsel+ ag5cies bas$ on ! language
 s]vices !y provide4  7#b7 ,au?orization
 ( appropriations ,!re is au?oriz$ to be
 appropriat$ to ! ,secret>y ( !         
,dep>tm5t ( ,h\s+ & ,urban ,developm5t1 
su* sums z are necess>y to support      
language tra9+ = ,,hud-approv$ h\s+     
c\nselors1 c\nsel+ ag5cies1 & _! /aff4  

7h7 ,def9itions ,9 ?is section-- 7#a7 ,!
 t]m cr$itor has ! mean+ giv5 ! t]m 9   
section #ajc ( ! ,tru? 9 ,l5d+ ,act &   
%all include any assignee ( a cr$itor4  
7#b7 ,! t]m director means ! ,director (
 ! ,bureau ( ,consum] ,f9ancial         
,protection4  7#c7 ,! t]m s]vic] has !  
mean+ giv5 ! t]m 9 section #f7;i7 ( !   
,real ,e/ate ,settlem5t ,proc$ures ,act 
( #aigd4  7#d7 ,! t]m resid5tial        
mortgage loan has ! mean+ giv5 ! t]m 9  
section #ajc ( ! ,tru? 9 ,l5d+ ,act4    
7#e7 ,! t]m f$]ally relat$ mortgage loan
 has ! mean+ giv5 ! t]m 9 section #c ( !
 ,real ,e/ate ,settlem5t ,proc$ures ,act
 ( #aigd4  ,june #ae1 #bjbb ,report$ f !
 ,committee on ,f9ancial ,s]vices ) an  
am5dm5t ,june #ae1 #bjbb ,committee on  
,vet]ans' ,affairs dis*>g$2 committ$ to 
! ,committee ( ! ,:ole ,h\se on ! ,/ate 
( ! ,union & ord]$ to be pr9t$