period ends, in a lump sum payment, spread over 60 months, or capitalized into the loan, at the borrower’s election. . (d) Notification of language assistance and housing counseling Section 6 of the Real Estate Settlement Procedures Act of 1974 ( 12 U.S.C. 2605 ), as amended by subsection (c), is further amended by adding at the end the following: (o) Notification of language assistance and housing counseling (1) In general The Federal Housing Finance Agency shall, within 30 days of the date of enactment of this Act, make available a document providing notice of the availability of language assistance and housing counseling in substantially the same form, and in at least the same languages, as the existing Language Translation Disclosure. (2) Minimum requirement The document described under subsection (a) shall include the notice in at least all the languages for which Federal Housing Finance Agency currently has translations on its existing Language Translation Disclosure available. (3) Provision to servicers The Federal Housing Finance Agency shall make this document available to servicers to fulfill their requirements under subsection (n). . (e) United States Department of Agriculture Direct Loan Program Section 505 of the Housing Act of 1949 ( 42 U.S.C. 1475 ) is amended— (1) by redesignating subsection (b) as subsection (c)