--- title: CFPB issues statement on financial institutions serving LEP consumers description: The Consumer Financial Protection Bureau (CFPB) issued a statement on financial institutions' services to consumers with Limited English Proficiency (LEP). image: https://blog.docmagic.com/hubfs/Social%20Media%20HubSpot%20Size.png --- - [INFO@DOCMAGIC.COM](mailto:info@docmagic.com) - | - [PHONE (800) 649-1362](tel:+8006491362) [![Home](https://blog.docmagic.com/hs-fs/hubfs/DocMagic_May2018/Images/logo.png?width=1172&height=232&name=logo.png "Home")](https://www.docmagic.com/) [![Home](https://blog.docmagic.com/hs-fs/hubfs/DocMagic_May2018/Images/logo.png?width=1172&height=232&name=logo.png "Home")](https://www.docmagic.com/) - [Solutions](https://www.docmagic.com/solutions) - [Solutions Innovative, automated, and compliant technology solutions designed to advance every stage of your mortgage loan process](https://www.docmagic.com/solutions) - [Document Generation We ensure data and document accuracy from initial disclosures to closing](https://www.docmagic.com/document-generation) - [DocMagic](https://www.docmagic.com/document-generation) - [Packages](https://www.docmagic.com/document-generation#Packages) - [Downloads](https://www.docmagic.com/download) - [eSign Platform eSign and eNotarize electronic documents and automate appraisal delivery](https://www.docmagic.com/esign-platform) - [ClickSign®](https://www.docmagic.com/clicksign) - [eNotary](https://www.docmagic.com/enotary) - [Appraisal eDelivery](https://www.docmagic.com/appraisal-edelivery) - [eMortgage Technology Seamless and compliant digital platforms for completely paperless eClosings](https://www.docmagic.com/emortgage-technology) - [Total eClose™](https://www.docmagic.com/total-eclose) - [AutoPrep™](https://www.docmagic.com/solutions/autoprep) - [SmartSAFE® With SmartREGISTRY™](https://www.docmagic.com/smartsafe) - [Automated Compliance Ensuring compliance at every stage of the loan process](https://www.docmagic.com/automated-compliance) - [Compliance Edge Newsletter](https://www.docmagic.com/compliance/wizard) - [Compliance Edge](https://www.docmagic.com/compliance) - [Collaborative Closing Technology Tools for borrowers, lenders and title agents to collaborate on the loan process](https://www.docmagic.com/collaborative-closing-technology) - [LoanMagic®](https://www.docmagic.com/loanmagic) - [SmartClose®](https://www.docmagic.com/smartclose) - [eChattel Technology eVaulting solutions for your non-mortgage lending needs](https://www.docmagic.com/smarttransfer) - [SmartSAFE® With SmartTRANSFER](https://www.docmagic.com/smarttransfer) - [Services](https://www.docmagic.com/services) - [Services Providing our customers with superior services and technical capabilities designed to help them achieve strategic goals](https://www.docmagic.com/services) - [Data Services A flexible, scalable and customizable Digital Transaction Platform](https://www.docmagic.com/data-services) - [Investor eQC](https://www.docmagic.com/Investor-eQC) - [Uniform Closing Dataset (UCD)](https://www.docmagic.com/ucd) - [Data Translation Services](https://www.docmagic.com/data-services) - [Data & Document Validation](https://www.docmagic.com/automated-compliance) - [Transactional Data Access](https://www.docmagic.com/data-services) - [3rd Party Services Access to a wide variety trusted of 3rd party integrations](https://www.docmagic.com/third-party-services) - [Appraisal eDelivery](https://www.docmagic.com/appraisal-edelivery) - [Flood Determination](https://www.docmagic.com/flood-determination) - [Income Verification](https://www.docmagic.com/income-verification) - [MERS® eRegistry](https://www.docmagic.com/third-party-services) - [Settlement Services](https://www.docmagic.com/settlement-services) - [Print Fulfillment Secure and compliant print and mail automation system](https://www.docmagic.com/print-fulfillment) - [Professional Services Experienced innovation advisers and the right technology solutions](https://www.docmagic.com/professional-services) - [Integration Services Connecting systems, data and applications to deliver a seamless user experience](https://www.docmagic.com/integration-services) - [Compliance](https://www.docmagic.com/automated-compliance) - [Automated Compliance The core component inside all of our mortgage technology solutions](https://www.docmagic.com/automated-compliance) - [Compliance Edge](https://www.docmagic.com/compliance) - [Updates Compliance to ensure accuracy at every stage of the lending process](https://www.docmagic.com/compliance#Updates) - [Compliance Updates](https://www.docmagic.com/compliance/compliance-articles/automated-compliance) - [Form Updates](https://www.docmagic.com/compliance/new-revised-documents) - [Investor Updates](https://www.docmagic.com/compliance/investor-updates/index) - [Investor eQC](https://www.docmagic.com/Investor-eQC) - [Resources All your compliance resources in one place available with DocMagic](https://www.docmagic.com/compliance#Resources) - [Compliance Matrices](https://www.docmagic.com/compliance/compliance-topics/matrices) - [Disclosures](https://www.docmagic.com/compliance/state-disclosure/index) - [High Cost Memos](https://www.docmagic.com/compliance/high-cost-memos/index) - [TRID](https://www.docmagic.com/trid-resource-center) - [URLA Resources](https://www.docmagic.com/urla-resources) - [Compliance Edge Newsletter The most up-to-date compliance information available in the industry](https://www.docmagic.com/compliance/wizard) - [Articles](https://www.docmagic.com/compliance/wizard) - [Legal & Regulatory Updates](https://www.docmagic.com/compliance/wizard) - [Form Updates](https://www.docmagic.com/compliance/wizard) - [Events](https://www.docmagic.com/compliance/wizard) - [System Updates](https://www.docmagic.com/compliance/wizard) - [Support](https://www.docmagic.com/support-center) - [Support Let us help you get the most from DocMagic](https://www.docmagic.com/support-center) - [Customer Support Log in and let us help you](https://www.docmagic.com/support/contact-us) - [Product Training Get to know our products](https://www.docmagic.com/product-training) - [Company](https://www.docmagic.com/company) - [Company Mortgage Industry expertise since 1987](https://www.docmagic.com/company) - [About Us What we do](https://www.docmagic.com/about-us) - [Leadership Who we are](https://www.docmagic.com/leadership) - [Partners Our select group of trusted partners](https://www.docmagic.com/partners) - [News Stay up-to-date with the latest compliance and industry news.](https://www.docmagic.com/about/news) - [Blog Compliance and industry insights](https://blog.docmagic.com/) - [Contact Us We’d love to hear from you](https://www.docmagic.com/contact-us) - [Careers Innovators welcome!](https://www.docmagic.com/careers) [Request a Demo](https://www.docmagic.com/demo-request) [Log In](https://www.docmagic.com/webservices/cas/login) - [INFO@DOCMAGIC.COM](mailto:info@docmagic.com) - [PHONE (800) 649-1362](tel:+8006491362) - - - - - [mailto:info@docmagic.com](mailto:info@docmagic.com) - Share this article - - - - [mailto:?subject=%20site&body=Check%20out%20this%20site%20https://blog.docmagic.com/cfpb-statement-limited-english-proficiency-consumers](mailto:?subject=%20site&body=Check%20out%20this%20site%20https://blog.docmagic.com/cfpb-statement-limited-english-proficiency-consumers) [DocMagic Blog](https://blog.docmagic.com) [Compliance](https://blog.docmagic.com/topic/compliance) # CFPB issues statement on financial institutions serving LEP consumers [Compliance Team](https://blog.docmagic.com/author/compliance-team) 02/03/2021 On Jan. 13, the Consumer Financial Protection Bureau (CFPB) issueda “[Statement Regarding the Provision of Financial Products and Services to Consumers with Limited English Proficiency (LEP).](https://files.consumerfinance.gov/f/documents/cfpb_lep-statement_2021-01.pdf)" The statement encourages financial institutions to expand services to LEP consumers who often face barriers such as language access issues when obtaining credit. ![cfpb1](https://blog.docmagic.com/hs-fs/hub/464431/file-2806132692.png?width=250&name=file-2806132692.png)The statement highlights that the CFPB has been engaging with industry stakeholders, consumer advocacy organizations, and trade associations to get feedback on challenges specific to serving LEP consumers. In August 2020, the CFPB issued a [Request for Information (RFI)](https://www.regulations.gov/document?D=CFPB-2020-0026-0001) which asked for comments on how to provide clarity under applicable laws and encourage creditors to provide services to LEP consumers. In comments responding to the RFI, financial institutions expressed a need for further guidance on how to expand their products and services to LEP consumers while staying compliant. The CFPB received comments regarding concerns of potential fair lending risks under ECOA and potential UDAAP risks when stakeholders decide how and in what languages to offer products and services. For example, with hundreds of languages spoken in the United States, comments expressed concerns of prioritizing services in one language over another, and what factors may be considered in those decisions. Additional comments asked the CFPB to clarify that institutions unable to provide support in other languages besides English are not in violation of ECOA, and that offering support in only some but not all non-English languages would not be considered an unfair, deceptive, abusive, or discriminatory practice. Some stakeholder groups suggested that the CFPB provide more translated documents and notices. Other comments asserted that verbal interpretation via telephone is a more effective short-term solution to improving services for LEP consumers. In response to the feedback, the statement emphasizes the CFPB’s duty under the Dodd-Frank Act to ensure “fair, equitable and nondiscriminatory access to credit.” The CFPB encourages financial institutions to better serve LEP consumers, while remaining compliant with applicable legal requirements. To achieve this goal, the CFPB suggests that financial institutions may consider: - Implementing pilot programs or a phased approach to prove products and services to LEP consumers.  - Developing a variety of compliance approaches depending on relevant factors such as the “size, complexity, and risk profile of an institution.” - Mitigating compliance risks by providing LEP consumers with clear and timely disclosures in non-English languages that include the extent and limits of any language services provided. This would include providing how LEP consumers can obtain additional information or ask questions. - Extending credit under a special purpose credit program (SPCP), following the standards and rules provided in Regulation B. The CFPB previously issued an advisory opinion on how to develop and implement a compliant SPCP. The CFPB recommends specific considerations to help financial institutions mitigate ECOA, UDAAP, and other legal risks when developing compliance solutions related to serving LEP consumers. When considering whether to provide non-English language services, the CFPB recommends that a financial institution consider documented and verifiable information such as U.S. Census Bureau demographics. Local demographics may help regional institutions decide to provide language services that differ from what would be provided by a more national focus. Product and service selection and language preference collection and tracking is also recommended to improve needed services and “facilitate communication with LEP consumers in non-English languages.” The statement also emphasizes that financial institutions must follow federal and state law requirements for providing consumers with translated documents and must ensure the accuracy of the translations. Further, the CFPB recommends that financial institutions implement a compliance management system (CMS) that can document policies and procedures, and monitor services and consumer complaints. **Related Content:** - [The current state of eClosings: A Q&A with DocMagic's compliance chief](https://blog.docmagic.com/state-of-eclosings-compliance-perspective) (12/17/2020) - [IRS releases new form 4506-C](https://blog.docmagic.com/compliance-alert-irs-releases-new-form-4506-c) (11/16/2020) - [The redesigned URLA will be required in a few months; are you ready?](https://blog.docmagic.com/the-redesigned-urla-form-are-you-ready)(9/4/2020) One partner. One platform. A complete solution. Let us digitally transform your mortgage process for increased efficiency and ROI. See how by scheduling a demo today. [SCHEDULE A DEMO](https://www.docmagic.com/demo-request) - Share this article - - - - [mailto:?subject=%20site&body=Check%20out%20this%20site%20https://blog.docmagic.com/cfpb-statement-limited-english-proficiency-consumers](mailto:?subject=%20site&body=Check%20out%20this%20site%20https://blog.docmagic.com/cfpb-statement-limited-english-proficiency-consumers) Topics from this blog: [Compliance](https://blog.docmagic.com/topic/compliance) [Back](https://blog.docmagic.com) ### Search the Blog - Recent - Popular - Topics ![](https://blog.docmagic.com/hubfs/The%20Lenders%20Roadmap%20to%20RON%20-%20blog%20feature%20image.png) RON Isn't for Every Loan. That's the Point. ![](https://blog.docmagic.com/hubfs/2026%20MortgagePoint%20Tech%20Excellence%20Award%20-%20blog%20feature-2.png) DocMagic Earns 2026 MortgagePoint Tech Excellence Award ![](https://blog.docmagic.com/hubfs/eVault%20blog%20insert.png) Inside the eVault: The Foundation of Digital Asset... ![](https://blog.docmagic.com/hubfs/Configurable%20Compliance%20-%20feature.png) The Case for Configurable Compliance ![](https://blog.docmagic.com/hubfs/NMP%20Women%20of%20Inspiration%20-%20feature.png) Celebrating Lori Johnson — A 2026 Women of Inspiration... ![](https://blog.docmagic.com/hubfs/4506-C%20form.jpg) IRS releases new form 4506-C ![](https://blog.docmagic.com/hubfs/urla%20form.jpg) The redesigned URLA will be required in a few months; are... ![](https://blog.docmagic.com/hubfs/Ron%20Map_7-27-21_1236x801@2x.png) 38 states allow remote notarization as RON, RIN and IPEN... ![](https://blog.docmagic.com/hubfs/eNote%20Blog%20feature%20image.png) The lender’s guide to delivering investor-ready eNotes ![](https://blog.docmagic.com/hubfs/urla_blog.png) URLA: Updates, Improvements, and Deadlines ### List By Topic - [Compliance (100)](https://blog.docmagic.com/topic/compliance) - [eClosing (85)](https://blog.docmagic.com/topic/eclosing) - [Awards (74)](https://blog.docmagic.com/topic/awards) - [eSign (71)](https://blog.docmagic.com/topic/esign) - [Integrations (56)](https://blog.docmagic.com/topic/integrations) - [Industry Publications (52)](https://blog.docmagic.com/topic/industry-publications) - [Total eClose (44)](https://blog.docmagic.com/topic/total-eclose) - [eNotes (34)](https://blog.docmagic.com/topic/enotes) - [Remote Online Notarization (31)](https://blog.docmagic.com/topic/remote-online-notarization) - [Document Generation (30)](https://blog.docmagic.com/topic/document-generation) - [eDisclosures (25)](https://blog.docmagic.com/topic/edisclosures) - [eVault (19)](https://blog.docmagic.com/topic/evault) - [GSEs (18)](https://blog.docmagic.com/topic/gses) - [eNotary (17)](https://blog.docmagic.com/topic/enotary) - [SmartCLOSE (13)](https://blog.docmagic.com/topic/smartclose) - [LoanMagic (12)](https://blog.docmagic.com/topic/loanmagic) - [eDelivery (11)](https://blog.docmagic.com/topic/edelivery) - [Industry Insight (8)](https://blog.docmagic.com/topic/industry-insight) - [Partnerships (8)](https://blog.docmagic.com/topic/partnerships) - [Philanthropy (8)](https://blog.docmagic.com/topic/philanthropy) - [AutoPrep (3)](https://blog.docmagic.com/topic/autoprep) ### Subscribe Here ## Download the Truliant Federal Credit Union Case Study Truliant took several key steps to refine its 100% digital eClosing process — including finding the right technology partner. [Download now](https://info.docmagic.com/en-us/case-study-truliant-federal-credit-union) Use of this website and its contents is governed by our [Terms of Use](https://www.docmagic.com/terms-of-use) and our [Privacy Policy](https://www.docmagic.com/privacy-policy). © 2026 DocMagic, Inc. ALL RIGHTS RESERVED. - -