On May 19, 2011, the CFPB began testing two alternate prototype forms of a simplified mortgage costs disclosure form that will be given to potential borrowers in six cities: Baltimore, Chicago, Los Angeles, Albuquerque, NM, Birmingham, AL, and Springfield, MA. The CFBP hopes to select a single draft form that will be further refined and then published as a proposed rule sometime before July 2012. The agency will test both English- and Spanish-language versions of the two forms among mortgage consumers, lenders, and brokers. At least five rounds of testing are planned through the end of 2011 and possibly longer. Under Dodd-Frank, the CFPB is tasked with combining and simplifying two overlapping disclosure forms currently required under the Truth in Lending Act (TILA) and the Real Estate Settlement Procedures Act (RESPA).