Sec. 411. Amendments to the Truth in Lending Act
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The Truth in Lending Act ( 15 U.S.C. 1601 et seq. ) is amended— in section 129 ( 15 U.S.C. 1639 )— in subsection (b)(3), by adding at the end the following: The Bureau may not, by regulation or otherwise, prohibit a consumer from modifying or waiving the rights provided to the consumer under this subsection. ; and in subsection (u), by adding at the end the following: Certification described under paragraph
(1)may be provided by a person who operates an online or telephone-operated counseling service approved by the Secretary of Housing and Urban Development or by an online or telephone-operated counseling service operated by the Department of Housing and Urban Development. Notwithstanding section 1400(c) of the Mortgage Reform and Anti-Predatory Lending Act, this subsection shall take effect after the end of the 1-year period beginning on the earlier of— the date on which the first online or telephone-operated counseling service is approved under paragraph (4); and the date on which the Department of Housing and Urban Development begins providing online or telephone-operated counseling services described under paragraph (4). ; in section 129C ( 15 U.S.C. 1639c )— in subsection (b)(2)(A)(viii), by striking 30 and inserting 40 ; by striking subsections (c), (d), and (e); and by redesignating subsections (f), (g), (h), and
(i)as subsections (c), (d), (e), and (f), respectively; and in section 129E(k)(1) ( 15 U.S.C. 1639e(k)(1) ) by inserting after this section the following: , other than subsection (e), .
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