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to aid the borrower or lessee in understanding the trans- action by utilizing readily understandable language to sim- plify the technical nature of the disclosures.’’; (B) by striking ‘‘Secretary’’ each place that term appears and inserting ‘‘Bureau’’; and (C) by striking ‘‘form’’ each place that term appears and inserting ‘‘forms’’; (3) in section 5 (12 U.S.C. 2604)— (A) by striking ‘‘Secretary’’ each place that term appears and inserting ‘‘Bureau’’; and (B) in subsection (a), by striking the first sentence Booklets. and inserting the following: ‘‘The Bureau shall prepare and distribute booklets jointly addressing compliance with the requirements of the Truth in Lending Act and the provisions of this title, in order to help persons borrowing money to finance the purchase of residential real estate better to understand the nature and costs of real estate settlement services.’’; (4) in section 6(j)(3) (12 U.S.C. 2605(j)(3))— (A) by striking ‘‘Secretary’’ and inserting ‘‘Bureau’’; and (B) by striking ‘‘, by regulations that shall take effect not later than April 20, 1991,’’; (5) in section 7(b) (12 U.S.C. 2606(b)) by striking ‘‘Sec- retary’’ and inserting ‘‘Bureau’’; (6) in section 8(c)(5) (12 U.S.C. 2607(c)(5)), by striking ‘‘Secretary’’ and inserting ‘‘Bureau’’; (7) in section 8(d) (12 U.S.C. 2607(d))— (A) in the subsection heading, by inserting ‘‘BUREAU AND’’ before ‘‘SECRETARY’’; and (B) by striking paragraph (4), and inserting the fol- lowing: ‘‘(4) The Bureau, the Secretary, or the attorney general or the insurance commissioner of any State may bring an action to enjoin violations of this section. Except, to the extent that a person is subject to the jurisdiction of the Bureau, the Secretary, or the attorney general or the insurance commis- sioner of any State, the Bureau shall have primary authority to enforce or administer this section, subject to subtitle B of the Consumer Financial Protection Act of 2010.’’; (8) in section 10(c) (12 U.S.C. 2609(c) and (d)), by striking ‘‘Secretary’’ and inserting ‘‘Bureau’’; (9) in section 16 (12 U.S.C. 2614), by inserting ‘‘the Bureau,’’ before ‘‘the Secretary’’; (10) in section 18 (12 U.S.C. 2616), by striking ‘‘Secretary’’ each place that term appears and inserting ‘‘Bureau’’; and (11) in section 19 (12 U.S.C. 2617)— (A) in the section heading by striking ‘‘SECRETARY’’ and inserting ‘‘BUREAU’’; (B) in subsection (a), by striking ‘‘Secretary’’ each place that term appears and inserting ‘‘Bureau’’; and (C) in subsections (b) and (c), by striking ‘‘the Sec- LAWS retary’’ each place that term appears and inserting ‘‘the Bureau’’. PUBLIC with on anorris VerDate Nov 24 2008 22:28 Sep 03, 2010 Jkt 089139 PO 00203 Frm 00730 Fmt 6580 Sfmt 6581 E:\PUBLAW\PUBL203.111 PUBL203