The National Consumer Law Center urges the Bureau to modify the mortgage servicing rules in Regulation X, 12 C.F.R. Part 1024, to provide consistent, fair, and transparent protections to borrowers across the mortgage market. NCLC requests that the Bureau remove the HELOC exemption from Regulation X sub-part C; remove the reverse mortgage exemption from Regulation X sub-part C; require mortgage servicers to provide meaningful language access to borrowers with limited English proficiency (LEP); and clarify the application of RESPA to loans secured by manufactured homes.