(A) issues that arise relating to mortgage 
origination and servicing processes for persons 
with a preferred language that is not English; 
and 
(B) the development of the standard lan-
guage preference form by the Director under sec-
tion 129I(a) of the Truth in Lending Act; 
(C) updates to the language resource website 
established by the Director of the Bureau of Con-
sumer Financial Protection, the Secretary of 
Housing and Urban Development, the Director 
of the Federal Housing Finance Agency, the Sec-
retary of Agriculture, and the Secretary of Vet-
erans Affairs under subsection (e). 
(2) REQUIRED
CONSULTING.—The Director of 
the Bureau of Consumer Financial Protection shall 
consult with the advisory group established pursuant 
to paragraph (1) with respect to any issues that arise 
relating to mortgage origination and servicing proc-
esses for persons with a preferred language that is not 
English. 
(g) HOUSING COUNSELING AGENCY LANGUAGE RE-
SOURCES.— 
(1) ENHANCED SEARCH CAPABILITIES.— 
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(A) HUD.—The Secretary of Housing and 
Urban Development shall not later than 1 year 
after the date of the enactment of this section up-
date the website maintained by the Secretary 
that identifies housing counselors approved by 
the Department of Housing and Urban Develop-
ment, to allow for searching for housing coun-
seling agencies based on the language services 
they provide. 
(B) BUREAU.—The Director of the Bureau 
of Consumer Financial protection shall not later 
than 1 year after the date of the enactment of 
this section update the website maintained by the 
Director that identifies housing counselors ap-
proved by the Department of Housing and 
Urban Development, to allow for searching for 
housing counseling agencies based on the lan-
guage services they provide. 
(2) AUTHORIZATION
OF
APPROPRIATIONS.— 
There is authorized to be appropriated to the Sec-
retary of the Department of Housing and Urban De-
velopment, such sums as are necessary to support lan-
guage training for HUD-approved housing counselors, 
counseling agencies, and their staff. 
(h) DEFINITIONS.—In this section— 
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(1) The term ‘‘creditor’’ has the meaning given 
the term in section 103 of the Truth in Lending Act 
and shall include any assignee of a creditor. 
(2) The term ‘‘director’’ means the Director of 
the Bureau of Consumer Financial Protection. 
(3) The term ‘‘servicer’’ has the meaning given 
the term in section 6(i) of the Real Estate Settlement 
Procedures Act of 1974. 
(4) The term ‘‘residential mortgage loan’’ has the 
meaning given the term in section 103 of the Truth 
in Lending Act. 
(5) The term ‘‘federally related mortgage loan’’ 
has the meaning given the term in section 3 of the 
Real Estate Settlement Procedures Act of 1974. 
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Calendar No. 281 
117TH CONGRESS 
2D SESSION 
H. R. 3009 
[Report No. 117–370, Part I] 
A BILL 
To amend the Truth in Lending Act and the Real 
Estate Settlement Procedures Act of 1974 to es-
tablish language access requirements for credi-
tors and servicers, and for other purposes. 
JUNE 15, 2022 
Reported from the Committee on Financial Services with 
an amendment 
JUNE 15, 2022 
Committee on Veterans’ Affairs discharged; committed to 
the Committee of the Whole House on the State of the 
Union and ordered to be printed 
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