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The Consumer Financial Protection Bureau (CFPB) has proposed new rules designed to make it easier for homeowners to get help when they are struggling to pay their mortgage.

According to the CFPB, the proposed changes would require mortgage servicers to focus on helping borrowers rather than emphasizing on foreclosure. The changes would require servicers to try to help borrowers first before going direct to foreclosing, and servicers would generally only be allowed to move ahead with foreclosure after all possibilities for assistance are exhausted or the borrower has stopped communicating with the servicer. The proposal would also limit the fees a servicer can charge a borrower while the servicer is reviewing possible options to help the borrower.

The proposed changes would also ensure that borrowers marketing materials in another language could request mortgage assistance communications in that same language. Servicers would also need to provide oral interpretation services in telephone calls with borrowers.

As for the servicers, the proposed changes are designed to reduce delays by streamlining paperwork requirements. The CFPB said servicers would have more flexibility to review borrowers for each option individually, and communications with borrowers would involve more tailored notices regarding payment information and resources for assistance.

The CFPB is accepting input on the proposed changes through Sept. 9.

“When struggling homeowners can get the help they need without unnecessary obstacles, it is better for borrowers, servicers, and the economy as a whole,” said CFPB Director Rohit Chopra. “The CFPB’s proposal would reduce avoidable foreclosures and make the mortgage market more resilient during future crises.”