IB 
Calendar No. 281 
117TH CONGRESS 
2D SESSION 
H. R. 3009 
[Report No. 117–370, Part I] 
To amend the Truth in Lending Act and the Real Estate Settlement Proce-
dures Act of 1974 to establish language access requirements for creditors 
and servicers, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
MAY 7, 2021 
Ms. GARCIA of Texas introduced the following bill; which was referred to the 
Committee on Financial Services, and in addition to the Committee on 
Veterans’ Affairs, for a period to be subsequently determined by the 
Speaker, in each case for consideration of such provisions as fall within 
the jurisdiction of the committee concerned 
JUNE 15, 2022 
Additional sponsor: Mr. GREEN of Texas 
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 
[Strike out all after the enacting clause and insert the part printed in italic] 
[For text of introduced bill, see copy of bill as introduced on May 7, 2021] 
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A BILL 
To amend the Truth in Lending Act and the Real Estate 
Settlement Procedures Act of 1974 to establish language 
access requirements for creditors and servicers, and for 
other purposes. 
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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 ‘‘Improving Language 
Access in Mortgage Servicing Act of 2021’’. 
SEC. 2. LANGUAGE ACCESS REQUIREMENTS AND RE-
SOURCES. 
(a) IN GENERAL.—Chapter 2 of title I of the Truth 
in Lending Act (15 U.S.C. 1631 et seq.) is amended by in-
serting after section 129H the following: 
‘‘§ 129I. Language access requirements. 
‘‘(a) STANDARD LANGUAGE PREFERENCE FORM.—Not 
later than 90 days after the date of the enactment of this 
section, the Director of the Bureau of Consumer Financial 
Protection shall, after consulting with the Secretary of Agri-
culture, the Director of the Federal Housing Finance Agen-
cy, the Secretary of Veterans Affairs, and the Commissioner 
of the Federal Housing Authority, by rule, establish a 
standard language preference form which includes a stand-
ard language preference question asked in each of the 8 lan-
guages most commonly spoken by individuals with limited 
English proficiency, as determined by the Director of the 
Bureau using information published by the Director of the 
Bureau of the Census. 
‘‘(b) REQUIREMENTS FOR CREDITORS.— 
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‘‘(1) USE OF STANDARD LANGUAGE PREFERENCE 
FORM BY CREDITORS.— 
‘‘(A) INCLUSION
IN
APPLICATION.—Each 
creditor shall include, in any written applica-
tion used in connection with a residential mort-
gage loan, the standard language preference form 
established by the Director of the Bureau under 
subsection (a). 
‘‘(B) INCLUSION
OF
DISCLOSURE.—Each 
creditor may include with such standard lan-
guage preference form a disclosure stating that 
documents and services may not be available in 
the preferred language indicated by the consumer 
on the standard language preference form. 
‘‘(C) DOCUMENTATION
AND
TRANSFER
OF 
PREFERRED
LANGUAGE
INFORMATION.—If a 
creditor, or assignee of a creditor receives infor-
mation about a language preference of a con-
sumer through the standard language preference 
form, orally or in writing in connection with a 
residential mortgage loan, as determined by the 
Director of the Bureau, including from another 
creditor or a servicer, such creditor or assignee 
shall document this language preference in each 
file or electronic file of information associated 
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with such consumer and shall transfer such in-
formation and the standard language preference 
form to any servicer of the loan and to any cred-
itor that may own the loan in the future. 
‘‘(2) PROVISION OF TRANSLATED DOCUMENTS.— 
If a Federal agency or a State or local agency in the 
State or locality in which the residential property is 
located has produced a translation of a document 
used in association with a residential mortgage loan 
in the preferred language of a consumer documented 
by a creditor pursuant to paragraph (1)(C), such 
creditor shall— 
‘‘(A) provide such translation in addition to 
any English version of such document that 
would have been provided to such consumer who 
indicated such preferred language; and 
‘‘(B) include a notice on the English and 
translated versions indicating that the English 
version is the official and operative document 
and the translated version is for informational 
purposes only. 
‘‘(3) ORAL INTERPRETATION SERVICES.— 
‘‘(A) IN GENERAL.—If a creditor receives 
information about a language preference of a 
consumer through the standard language pref-
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erence form, orally or in writing in connection 
with a residential mortgage loan, as determined 
by the Director of the Bureau, including from 
another creditor or a servicer, such creditor shall 
provide oral interpretation services to such con-
sumer. 
‘‘(B) ORAL INTERPRETATION SERVICES.—If 
a creditor is required under subparagraph (A) to 
provide oral interpretation services to a con-
sumer, such creditor shall ensure qualified oral 
interpretation services, as defined by the Director 
of the Bureau, are made available in the pre-
ferred language of the consumer for all oral com-
munications between the such creditor and the 
consumer and these oral interpretation services 
may be provided by qualified staff of the creditor 
or a qualified third party. 
‘‘(4) NOTICE
OF
AVAILABLE
LANGUAGE
SERV-
ICES.—If a creditor receives information about a lan-
guage preference of a consumer through the standard 
language preference form, orally or in writing in con-
nection with a residential mortgage loan, as deter-
mined by the Director of the Bureau, including from 
another creditor or a servicer, such creditor shall not 
later than 10 business days after receiving such infor-
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mation, notify such consumer in writing, in the pre-
ferred language of the consumer, of any language 
services available, including the services required 
under paragraphs (2) and (3). 
‘‘(5) TRANSFER OF LANGUAGE PREFERENCE IN-
FORMATION.—If a creditor transfers the servicing as-
sociated with a residential mortgage loan, such cred-
itor shall notify the transferee servicer of any known 
language preference of the consumer associated with 
such residential mortgage loan. 
‘‘(6) INFORMATION ON WEBSITE.—Each creditor 
shall on the website of the creditor publish— 
‘‘(A) links to and explanatory information 
about the websites maintained by the Secretary 
of Housing and Urban Development and the Di-
rector of the Bureau of Consumer Financial Pro-
tection that identify housing counselors approved 
by the Department of Housing and Urban Devel-
opment; and 
‘‘(B) a link to and explanatory information 
about the language resources website established 
by the Director of the Bureau of Consumer Fi-
nancial Protection, the Secretary of Housing and 
Urban Development, the Director of the Federal 
Housing Finance Agency, the Secretary of Agri-
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culture, and the Secretary of Veterans Affairs 
under section 1(e) of the Improving Language 
Access in Mortgage Servicing Act of 2021. 
‘‘(c) TRANSLATION OF MORTGAGE DOCUMENTS.—With 
respect to each document published by the Federal Housing 
Finance Agency, the Bureau of Consumer Financial Protec-
tion, the Department of Housing and Urban Development, 
the Department of Veterans Affairs, and the Department 
of Agriculture and used in association with a residential 
mortgage loan transaction, including origination and serv-
icing documents, the Director of the Bureau of Consumer 
Financial Protection and the Director of the Federal Hous-
ing Finance Agency shall jointly— 
‘‘(1) not later than 180 days after the date of the 
enactment of this section, publish versions of such 
documents translated into each of the 8 languages 
most commonly spoken by individuals with limited 
English proficiency, as determined by the Director of 
the Bureau of Consumer Financial Protection using 
information published by the Director of the Bureau 
of the Census; and 
‘‘(2) not later than 3 years after the date of the 
enactment of this section, publish versions of such 
documents translated into at least 4 additional lan-
guages spoken by individuals with limited English 
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proficiency that are regionally prevalent in the 
United States, as determined by the Director of the 
Bureau of Consumer Financial Protection using in-
formation published by the Director of the Bureau of 
the Census. 
‘‘(d) RULEMAKING.—The Director may issue such 
rules as the Director determines necessary to implement this 
section.’’. 
(b) REQUIREMENTS FOR SERVICERS.—Section 6 of the 
Real Estate Settlement Procedures Act of 1974 is amended 
by adding at the end the following: 
‘‘(n) LANGUAGE ACCESS REQUIREMENTS.— 
‘‘(1) IN GENERAL.— 
‘‘(A) 
INCLUSION
IN
NOTICES.—Each 
servicer shall include the standard language pref-
erence form with— 
‘‘(i) any notice required under section 
1024.39(b) of title 12, Code of Federal Reg-
ulations; 
‘‘(ii) any notice required under section 
(c); 
‘‘(iii) any notice required under sec-
tion 1024.41(b)(2) of title 12, Code of Fed-
eral Regulations; 
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‘‘(iv) any notice required under section 
1024.41(c)(2)(iii) of title 12, Code of Fed-
eral Regulations; and 
‘‘(v) any other additional notice as the 
Director of the Bureau of Consumer Finan-
cial Protection determines necessary. 
‘‘(B) 
INCLUSION
OF
DISCLOSURES.—A 
servicer may include with the standard language 
preference form a disclosure stating that docu-
ments and services may not be available in the 
preferred language of the borrower indicated by 
the consumer on the standard language pref-
erence form. 
‘‘(C) DOCUMENTATION
AND
TRANSFER
OF 
PREFERRED
LANGUAGE
INFORMATION.—If a 
servicer or an assignee of a servicer receives in-
formation about a language preference of a bor-
rower through the standard language preference 
form, orally or in writing in connection with a 
federally related mortgage, as determined by the 
Director of the Bureau, including from another 
servicer or creditor, such servicer or assignee 
shall document this language preference in each 
file or electronic file of information associated 
with such borrower and shall transfer such infor-
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mation and the standard language preference 
form to any other servicer that may service the 
loan in the future. 
‘‘(2) 
REQUIRED
LANGUAGE
SERVICES
FOR 
SERVICERS.— 
‘‘(A) PROVISION
OF
TRANSLATED
DOCU-
MENTS.—If a Federal agency, or a State or local 
agency in the State or locality in which the 
property subject to the federally related mortgage 
loan is to be located has produced a translation 
of a document used in associated with a federally 
related mortgage loan in the preferred language 
of a borrower as documented by the servicer pur-
suant to paragraph (1)(C), the servicer shall— 
‘‘(i) provide such translation in addi-
tion to any English version of such docu-
ment that would have been provided to such 
borrower; and 
‘‘(ii) include a notice on the English 
and translated versions, in the preferred 
language of the borrower, indicating that 
the English version is the official and oper-
ative document and the translated version 
is for informational purposes only. 
‘‘(B) ORAL INTERPRETATION SERVICES.— 
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‘‘(i) IN
GENERAL.—If a servicer re-
ceives information about a language pref-
erence of a borrower through the standard 
language preference form, orally or in writ-
ing in connection with a federally related 
mortgage, as determined by the Director of 
the Bureau, including from another creditor 
or a servicer, such servicer shall provide 
oral interpretation services to such bor-
rower. 
‘‘(ii) ORAL
INTERPRETATION
SERV-
ICES.—If a servicer is required under sub-
paragraph (A) to provide oral interpreta-
tion services to a borrower, such servicer 
shall ensure qualified oral interpretation 
services, as defined by the Director of the 
Bureau, are made available in the preferred 
language of the borrower for all oral com-
munications between the such servicer and 
the borrower and these oral interpretation 
services may be provided by qualified staff 
of the borrower or a qualified third party. 
‘‘(3) NOTICE
OF
AVAILABLE
LANGUAGE
SERV-
ICES.—If a servicer receives information about a lan-
guage preference of a borrower through the standard 
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language preference form, orally or in writing in con-
nection with a federally related mortgage, as deter-
mined by the Director of the Bureau, including from 
another creditor or a servicer, such servicer shall, not 
later than 10 business days after receiving such infor-
mation, notify such borrower in writing, in the pre-
ferred language of the borrower, of any language serv-
ices available, including the services required under 
paragraph (2). 
‘‘(4) TRANSFER OF LANGUAGE PREFERENCE IN-
FORMATION.—If a servicer transfers the servicing as-
sociated with a federally related mortgage loan, such 
servicer shall notify the transferee servicer of any 
known language preference of the borrower associated 
with such federally related mortgage loan. 
‘‘(5) STANDARD LANGUAGE PREFERENCE FORM 
DEFINED.—The term ‘standard language preference 
form’ means the standard language preference form 
established by the Director of the Bureau under sec-
tion 129I of the Truth in Lending Act. 
‘‘(6) INFORMATION ON WEBSITE.—Each servicer 
shall on the website of the servicer publish— 
‘‘(A) links to and information about the 
websites maintained by the Secretary of Housing 
and Urban Development and the Director of the 
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Bureau of Consumer Financial Protection that 
identify housing counselors approved by the De-
partment of Housing and Urban Development; 
and 
‘‘(B) a link to and information about the 
language resources website established by the Di-
rector of the Bureau of Consumer Financial Pro-
tection, the Secretary of Housing and Urban De-
velopment, the Director of the Federal Housing 
Finance Agency, the Secretary of Agriculture, 
and the Secretary of Veterans Affairs under sec-
tion 1(e) of the Improving Language Access in 
Mortgage Servicing Act of 2021. 
‘‘(7) RULEMAKING.—The Director of the Bureau 
of Consumer Financial Protection may issue such 
rules as the Director determines necessary to imple-
ment this section.’’. 
(c) CLERICAL AMENDMENT.—The table of sections in 
chapter 2 of the Truth in Lending Act (15 U.S.C. 1631 et 
seq) is amended by inserting after the item relating to sec-
tion 129H the following: 
‘‘129I. Language access requirements.’’. 
(d) REPORT.—Not later than 1 year after the date of 
the enactment of this section, and each year thereafter, the 
Director of the Bureau of Consumer Financial Protection, 
the Secretary of Housing and Urban Development, the Di-
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rector of the Federal Housing Finance Agency, the Sec-
retary of Agriculture, and the Secretary of Veterans Affairs 
shall submit a report to the Congress that contains— 
(1) regulatory recommendations to enhance 
mortgage origination and servicing processes for per-
sons with a preferred language that is not English; 
(2) a description of any legislative changes need-
ed to provide authority necessary to implement the 
regulatory recommendations; and 
(3) a description of any progress on the imple-
mentation of any legislative or regulatory rec-
ommendation made in a previous report. 
(e) LANGUAGE RESOURCE WEBSITE.— 
(1) IN GENERAL.—The Director of the Bureau of 
Consumer Financial Protection, the Secretary of 
Housing and Urban Development, the Director of the 
Federal Housing Finance Agency, the Secretary of 
Agriculture, and the Secretary of Veterans Affairs 
shall jointly not later than 1 year after the date of 
the enactment of this section establish and maintain 
a website that provides language resources for credi-
tors, servicers, and consumers. 
(2) WEBSITE REQUIREMENTS.—The website de-
veloped pursuant to paragraph (1) shall include— 
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(A) the translations of documents published 
pursuant to section 129I(c) of the Truth in 
Lending Act; 
(B) a glossary of terms relating to residen-
tial mortgage loans and federally related mort-
gage loans, provided in each commonly spoken 
language; 
(C) guidance for creditors and servicers 
working with persons who have a preferred lan-
guage that is not English; and 
(D) examples of notices that may be used by 
creditors and servicers to inform persons of 
available language services, provided in accord-
ance with section 6(n)(2) of the Real Estate Set-
tlement Procedures Act of 1974 and section 129I 
of the Truth in Lending Act. 
(f) ADVISORY GROUP.— 
(1) IN GENERAL.—The Director of the Bureau of 
Consumer Financial Protection shall establish an ad-
visory group consisting of stakeholders, including in-
dustry groups, consumer groups, civil rights groups, 
and groups that have experience improving language 
access in housing finance transactions, to provide ad-
vice to the Director about— 
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