On January 5, 2010, the Rhode Island General Assembly overrode Governor Carcieri's veto of legislation requiring a new 45-day pre-foreclosure notice to consumer borrowers. This notice, in English and Spanish, must give notice of default and the mortgagee's right to foreclose, and must also advise the mortgagor of the availability of counseling through HUD-approved counseling agencies, and give the toll-free telephone number and website regarding HUD counseling. The counseling is to be provided at no cost to the mortgagee.