on which the major disaster or emergency was declared and end on the date that is 3 months after such date. (2) Other circumstances (A) In general The Bureau may allow a borrower demonstrating hardship to stop making consecutive monthly payments and be granted a grace period after which the 10-month period described in subsection (a) shall resume. (B) Borrower demonstrating hardship defined In this paragraph, the term borrower demonstrating hardship means a borrower or a class of borrowers who, as determined by the Bureau, is facing or has experienced unusual extenuating life circumstances or events that result in severe financial or personal barriers such that the borrower or class or borrowers does not have the capacity to comply with the requirements of subsection (a). (c) Procedures The Bureau shall establish procedures to implement the credit rehabilitation described in this section, including— (1) the manner, content, and form for requesting credit rehabilitation