; and (B) other offices of the Bureau that engage in dispute resolution. (5) Nonduplication The Ombudsman may not carry out any activities that would be duplicative with activities of other Bureau offices. (p) Penalties for robo-Signing Any servicer who records or files with a land records office or a court more than one document with material deficiencies with respect to a mortgage loan shall be subject to a fine of not more than $7,500 for each such loan. . (b) Damages and costs Section 6(f) of the Real Estate Settlement Procedures Act of 1974 ( 12 U.S.C. 2605(f) ) is amended by striking a pattern or practice of each place such term appears. 3. Preferred language of consumer Section 129B of the Truth in Lending Act ( 15 U.S.C. 1639b ) is amended by adding at the end the following: (g) Preferred language of consumer (1) Application question In any application used by a mortgage originator for a residential mortgage loan, the originator shall ask the consumer to state the consumer’s preferred language. (2) Letters of explanation for origination A mortgage originator for a residential mortgage loan shall— (A) accept letters of explanation for origination in the consumer’s preferred language