I 

116TH CONGRESS 

1ST SESSION H. R. 4783 

To require the Director of the Federal Housing Finance Agency to require 

each enterprise to include a preferred language question on the form 

known as the Uniform Residential Loan Application, and for other purposes. 

IN THE HOUSE OF REPRESENTATIVES 

OCTOBER 22, 2019 

Mr. GREEN of Texas (for himself, Ms. JUDY CHU of California, Ms. GARCIA

of Texas, and Mr. CLAY) introduced the following bill; which was referred 

to the Committee on Financial Services 

A BILL 

To require the Director of the Federal Housing Finance 

Agency to require each enterprise to include a preferred 

language question on the form known as the Uniform 

Residential Loan Application, and for other purposes. 

1 Be it enacted by the Senate and House of Representa2 tives of the United States of America in Congress assembled, 

3 SECTION 1. SHORT TITLE. 

4 This Act may be cited as the ‘‘LEP Data Acquisition 

5 in Mortgage Lending Act’’. 


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1 SEC. 2. PREFERRED LANGUAGE QUESTION. 

2 Subpart A of part 2 of subtitle A of title 13 of the 

3 Housing and Community Development Act of 1992 (12 

4 U.S.C. 4541 et seq.) is amended by adding at the end 

5 the following: 

6 ‘‘SEC. 1329. UNIFORM RESIDENTIAL LOAN APPLICATION. 

7 ‘‘(a) IN GENERAL.—The Director shall, not later 

8 than February 1, 2020, require each enterprise to include 

9 a preferred language question, that is optional for bor10 rowers, on the form known as the Uniform Residential 

11 Loan Application and include such question in the form 

12 in which it was presented for inclusion on the Uniform 

13 Residential Loan Application by the Federal Housing Fi14 nance Agency on October 20, 2017 as also written in sub15 section (b). 

16 ‘‘(b) FORM OF QUESTION.—The preferred language 

17 question on the Uniform Residential Loan Application 

18 shall read as follows: 

19 ‘‘Language Preference—Your loan transaction 

20 is likely to be conducted in English. This question 

21 requests information to see if communications are 

22 available to assist you in your preferred language. 

23 Please be aware that communications may NOT be 

24 available in your preferred language. 

25 ‘‘Optional—Mark the language you would pre26 fer, if available: English — Chinese — Korean — 


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1 Spanish — Tagalog — Vietnamese — Other — I do 

2 not wish to respond. 

3 ‘‘Your answer will NOT negatively affect your 

4 mortgage application. Your answer does not mean 

5 the Lender or Other Loan Participants agree to 

6 communicate or provide documents in your preferred 

7 language. However, it may let them assist you or di8 rect you to persons who can assist you. Language 

9 assistance and resources may be available through 

10 housing counseling agencies approved by the U.S. 

11 Department of Housing and Urban Development. 

12 ‘‘To find a housing counseling agency, contact 

13 one of the following Federal Government agencies: 

14 ‘‘U.S. Department of Housing and Urban De15 velopment (HUD) at (800) 569–4287 or 

16 www.hud.gov/counseling. 

17 ‘‘Consumer Financial Protection Bureau 

18 (CFPB) at (855) 411–2372 or 

19 www.consumerfinance.gov/find-ahousing-counselor. 

20 ‘‘(c) RESPONSE DATA.—Any response of a borrower 

21 to the question described in subsection (a) shall be re22 corded by the mortgage originator of the borrower and 

23 such mortgage originator shall transfer the record of such 


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1 response to any person who purchases or services the 

2 mortgage of the borrower.’’. 

Æ 


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