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EXHBIT 1 <br />proficiency, both for purposes of enforcing fair housing laws as testers and as a vehicle to increase <br />outreach to these populations. <br />Through its status as a HUD -approved Housing Counseling agency, FHCOC assisted individuals, <br />including those with limited English proficiency (LEP), with various housing related problems. This <br />included being available to counsel and assist those who had received loans with documents, all <br />prepared in English, which had terms that were different from what they believed or were informed <br />they were obtaining, or of which they had less than a full understanding. Many of the other counseling <br />activities under its HUD -approved Housing Counseling also assisted individuals with LEP <br />75A-166 <br />