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 pur-
poses. 
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. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘LEP Data Acquisition 
in Mortgage Lending Act’’. 
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SEC. 2. PREFERRED LANGUAGE QUESTION. 
Subpart A of part 2 of subtitle A of title 13 of the 
Housing and Community Development Act of 1992 (12 
U.S.C. 4541 et seq.) is amended by adding at the end 
the following: 
‘‘SEC. 1329. UNIFORM RESIDENTIAL LOAN APPLICATION. 
‘‘(a) IN GENERAL.—The Director shall, not later 
than February 1, 2020, require each enterprise to include 
a preferred language question, that is optional for bor-
rowers, on the form known as the Uniform Residential 
Loan Application and include such question in the form 
in which it was presented for inclusion on the Uniform 
Residential Loan Application by the Federal Housing Fi-
nance Agency on October 20, 2017 as also written in sub-
section (b). 
‘‘(b) FORM OF QUESTION.—The preferred language 
question on the Uniform Residential Loan Application 
shall read as follows: 
‘‘Language Preference—Your loan transaction 
is likely to be conducted in English. This question 
requests information to see if communications are 
available to assist you in your preferred language. 
Please be aware that communications may NOT be 
available in your preferred language. 
‘‘Optional—Mark the language you would pre-
fer, if available: English — Chinese — Korean — 
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Spanish — Tagalog — Vietnamese — Other — I do 
not wish to respond. 
‘‘Your answer will NOT negatively affect your 
mortgage application. Your answer does not mean 
the Lender or Other Loan Participants agree to 
communicate or provide documents in your preferred 
language. However, it may let them assist you or di-
rect you to persons who can assist you. Language 
assistance and resources may be available through 
housing counseling agencies approved by the U.S. 
Department of Housing and Urban Development. 
‘‘To find a housing counseling agency, contact 
one of the following Federal Government agencies: 
‘‘U.S. Department of Housing and Urban De-
velopment 
(HUD) 
at 
(800) 
569–4287 
or 
www.hud.gov/counseling. 
‘‘Consumer 
Financial 
Protection 
Bureau 
(CFPB) 
at 
(855) 
411–2372 
or 
www.consumerfinance.gov/find-ahousing-counselor. 
‘‘(c) RESPONSE DATA.—Any response of a borrower 
to the question described in subsection (a) shall be re-
corded by the mortgage originator of the borrower and 
such mortgage originator shall transfer the record of such 
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response to any person who purchases or services the 
mortgage of the borrower.’’. 
Æ 
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