Glossary of English-Spanish financial terms

CONS UMER FINANCIAL P ROTECTION BUREAU | AP RIL 2022

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 implements and enforces federal consumer financial law and ensures that markets for consumer financial products are fair, transparent, and competitive. 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 Account review inquiry Accountant(s) Accrued ACH (Automated Clearing House) transf ers Acknowledgement Acknowledgement of receipt

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 Indagaci?n de revisi?n de cuenta Contador(es), contable(s) Acumulado, devengado

Transf erencias ACH, pagos ACH

Reconocimiento, acuse de recibo, dependiendo el contexto Acuse de recibo

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CONSUMER FINANCIAL PROTECTION BUREAU: GLOSSARY OF ENGLISH-SPANISH FINANCIAL TERMS

ENGLISH Acknowledgement, certificate of 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

ESPA?OL Acta notarial 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

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CONSUMER FINANCIAL PROTECTION BUREAU: GLOSSARY OF ENGLISH-SPANISH FINANCIAL TERMS

ENGLISH Advocacy group 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)

ESPA?OL Grupo de apoyo 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)

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CONSUMER FINANCIAL PROTECTION BUREAU: GLOSSARY OF ENGLISH-SPANISH FINANCIAL TERMS

ENGLISH

Americans with Disabilities Act (ADA)

Amortization Amortization schedule Amortize Amount Amount financed Annual f ees

Annual percentage rate (APR)

Annuities Annuity Anti-discrimination law Anti-discrimination provision Appeal Appellate section Applicable law Applicant Application Application fee Apply

Annual Percentage Rate (APR)

Apply (as in: to apply for a job or for a license, etc.) Apply (as in: this benefit applies to f ull-time employees.) Appraisal Appraisal contingency Appraisal report Appraiser Appreciate

ESPA?OL Ley de Estadounidenses con Discapacidades (ADA, por sus siglas en ingl?s) Amortizaci?n Programa de amortizaci?n, tabla de amortizaci?n Amortizar Cantidad, monto Monto financiado Costos anuales Tasa ef ectiva anual (APR, por sus siglas en ingl?s), tasa porcentual anual Rentas vitalicias, anualidades Anualidad Ley antidiscriminaci?n Disposici?n antidiscriminatoria Apelaci?n, apelar Secci?n de apelaci?n Ley aplicable Aspirante, solicitante, postulante Cumplimiento, aplicaci?n, solicitud Cuota de inscripci?n Solicitar, pedir Tasa Ef ectiva Anual (APR, por sus siglas en ingl?s), Tasa Porcentual Anual

Solicitar, postular

Aplicarse

Tasaci?n, valoraci?n de la vivienda Contingencia de tasaci?n Inf orme de tasaci?n Tasador Apreciar (en valor)

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CONSUMER FINANCIAL PROTECTION BUREAU: GLOSSARY OF ENGLISH-SPANISH FINANCIAL TERMS

ENGLISH Appreciation Approved Appurtenances APR (Annual Percentage Rate) Arbitration Area

Area Median Income (AMI)

Area Agency on Aging (AAA)

Arm's length transaction Arrears, arrearage(s) Arrest warrant Asbestos Asking price Assent to decree Assert (a right) Assessed value Assessing the value of the property Assessment Assessor Assets Assignee Assignment Assignment of mortgage Assignor Assisted living Assisted living facility Association for Conflict Resolution Assumability Assumable mortgage

ESPA?OL Apreciaci?n Aprobado Pertenencias Tasa Ef ectiva Anual (APR, por sus siglas en ingl?s) Arbitraje, mediaci?n ?rea, zona Mediana de los Ingresos del Area (AMI, por sus siglas en ingl?s) Agencia Local para la Tercera Edad (AAA, por sus siglas en ingl?s) transacci?n entre partes independientes Atraso(s), deuda(s) pendiente(s) Orden de detenci?n, orden de arresto, orden de aprehensi?n Asbesto, amianto Precio inicial Orden judicial consensuada Hacer valer (un derecho) Valor f iscal, tasaci?n fiscal Avaluar la propiedad, evaluar el valor la propiedad Evaluaci?n, cargo, tarifa Asesor Activos, bienes Cesionario, beneficiario Asignaci?n, cesi?n Cesi?n de hipoteca Cedente Vivienda de residencia asistida Centro de vivienda asistida Asociaci?n para la Resoluci?n de Conflictos Capacidad para asumir (algo) Hipoteca asumible

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CONSUMER FINANCIAL PROTECTION BUREAU: GLOSSARY OF ENGLISH-SPANISH FINANCIAL TERMS

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