The CFPB’s Glossary of English- Spanish Financial Terms
CONSUMER FINANCIAL PROTECTION BUREAU | APRIL 2021
Glossary of English-Spanish Financial Terms
Glossary of English-Spanish Financial Terms: Introduction
Since its inception, the Consumer Financial Protection Bureau (CFPB) has provided consumers with numerous ways to make their voices heard. Consumers nationwide have engaged with the CFPB through public hearings, listening events, roundtables, town halls, its Web site (), and its Consumer Response system. The CFPB has also sought input from a range of financial education stakeholders about challenges consumers face, effective tools in overcoming those challenges, and ways the CFPB can improve the financial decision-making process of consumers by helping them better navigate the marketplace of financial products and services. This engagement strengthens the CFPB's understanding of current issues in the consumer financial marketplace and informs its work.
The CFPB understands that this engagement is strengthened by efforts to include limited English proficient persons (individuals who do not speak English as their primary language and who have a limited ability to speak, write, or understand English). According to data from the U.S. Census Bureau (the most recent 2013 American Community Survey), approximately 61.6 million individuals, foreign and U.S. born, spoke a language other than English at home. While the majority of these individuals also spoke English with native fluency or very well, about 41 percent (25.1 million individuals) were considered limited English proficient (LEP). Studies conducted by federal agencies and other stakeholders have highlighted that receipt of materials in consumers' native languages is essential to increasing these consumers' knowledge about financial products and services.
This glossary of common financial terms was created and is used by the CFPB for translating consumer education materials from English to Spanish. The CFPB is publicly sharing it to expand access to financial information among limited English proficient persons. It is the vision of the CFPB that other stakeholders seeking to financially educate or serve limited English proficient consumers may use the glossary of terms as a resource. The glossary of terms is not mandated, nor is it guidance or a requirement for any stakeholder.
The CFPB offers many more resources for the limited English proficient consumer, including:
Publications in multiple languages at
CFPB en Espa?ol, es/
Limited English proficient persons can submit complaints to the CFPB in more than 180 languages via telephone at 855-411-2372
CFPB resources for financial educators at adult-financialeducation
The CFPB is a 21st century agency that helps consumer finance markets work by making rules more effective, by consistently and fairly enforcing those rules, and by empowering consumers to take more control over their economic lives. To learn more and access additional resources, visit .
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CONSUMER FINANCIAL PROTECTION BUREAU: GLOSSARY OF ENGLISH-SPANISH FINANCIAL TERMS
Glossary
ENGLISH Numeric 1-4 f amily rider 401(k) 529 plan A Abandonment Abandoned
Abatement
Ability to pay Ability to repay
Abrogate
Absolute title Abstract update Abusive practice Academic programs Acceleration Acceleration clause Acceleration letter Access Account Accountant(s) Accrued ACH (Automated Clearing House) transf ers Acknowledgement Acknowledgement of receipt Acknowledgement, certificate of
ESPA?OL
Cl?usula adicional para viviendas de 1-4 unidades [Plan] 401(k) [Plan] 529
Abandono Abandonado Reducci?n, extinci?n, disminuci?n, rebaja, deducci?n, dependiendo el contexto Capacidad de pago Capacidad de reembolso Derogar (una norma), abrogar (una ley), anular, revocar, dependiendo el contexto T?tulo absoluto, t?tulo de plena propiedad Actualizaci?n de la declaraci?n (de fincas) Pr?ctica abusiva Programas acad?micos Vencimiento anticipado Cl?usula de vencimiento anticipado Carta de aceleraci?n Acceder a Cuenta Contador(es), contable(s) Acumulado, devengado
Transf erencias ACH, pagos ACH
Reconocimiento, acuse de recibo, dependiendo el contexto Acuse de recibo Acta notarial
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CONSUMER FINANCIAL PROTECTION BUREAU: GLOSSARY OF ENGLISH-SPANISH FINANCIAL TERMS
ENGLISH Acquittal Act (as in: Dodd-Frank Act) Act of God Action plan Active military duty Actual cash value Addendum Additional principal payment Add-ons Addressee Adjustable interest rate (AIR) table Adjustable payment (AP) table Adjustable rate Adjustable rate mortgage (ARM) Adjustable rate note Adjustable rate rider Adjuster Adjustment date Adjustment interval, adjustment period Administration for Community Living (ACL) Administration on Aging (AOA)
Administrative law judge Administrative orders Administrative rules
Adult Protective Services (APS)
Advance directives Adverse action Advocacy group
ESPA?OL Absoluci?n, descargo, exoneraci?n Ley (como Ley Dodd-Frank) Causa f ortuita / de fuerza mayor Plan de acci?n Servicio militar activo Valor actual Anexo Pago adicional (hacia el capital) Extras Destinatario Tabla de tasa de inter?s ajustable (tia) Tabla de pagos ajustable Tasa de inter?s ajustable, tasa ajustable Hipoteca con tasa de inter?s ajustable Pagar? con tasa de inter?s ajustable Cl?usula adicional sobre tasa de inter?s ajustable Ajustador Fecha de ajuste
Intervalo de ajuste, periodo de ajuste Administraci?n para la Vida Comunitaria (ACL, por sus siglas en ingl?s) Administraci?n de Asuntos sobre la Vejez (AOA, por sus siglas en ingl?s) Juez de derecho administrativo Ordenes administrativas Disposiciones administrativas Servicios Protectores para Mayores y Personas Dependientes (APS, por sus siglas en ingl?s) Voluntades anticipadas, directrices anticipadas Medida adversa, acci?n adversa Grupo de apoyo
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CONSUMER FINANCIAL PROTECTION BUREAU: GLOSSARY OF ENGLISH-SPANISH FINANCIAL TERMS
ENGLISH Af fidavit Af finity fraud
Af firmative steps
Af ford
Af fordability analysis Af fordability analyzer Af fordable Af fordable housing Age Discrimination Act of 1975 Agency Agent Agreement Agreement of sale Aid and Attendance (A&A) Alien authorized to work Alimony Allegation Allege Allocate Allowable debt payments Alternate phone number Amendment America American American Bar Association Commission on Law and Aging American dream (of homeownership) American(s)
Americans with Disabilities Act (ADA)
ESPA?OL Declaraci?n jurada Fraude por afinidad Medidas afirmativas, medidas de acci?n positiva, medidas especiales Permitirse, permitirse pagar, poder pagar, poder de compra, costear, dependiendo el contexto An?lisis de la capacidad de pago Analizador de capacidad de pago Asequible Vivienda a precio asequible Ley de Discriminaci?n por Motivos de Edad de 1975 Agencia Agente Acuerdo, contrato Contrato de compraventa Ayuda and Asistencia (A&A, por sus siglas en ingl?s) Extranjero con autorizaci?n para trabajar Pensi?n alimenticia Alegaci?n, alegato Alegar, acusar Asignar Pagos de deuda permitidos N?mero de tel?fono alternativo Enmienda Estados Unidos de Am?rica, EE.UU. Estadounidense, norteamericano Comisi?n sobre la Ley y el Envejecimiento del Colegio de Abogados de EE. UU. El sue?o americano (de tener casa propia) Americanos(as) Ley de Estadounidenses con Discapacidades (ADA, por sus siglas en ingl?s)
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CONSUMER FINANCIAL PROTECTION BUREAU: GLOSSARY OF ENGLISH-SPANISH FINANCIAL TERMS
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