; income This section may not be construed to prevent an enterprise from establishing additional requirements to ensure that a borrower has not lost their job or income prior to a mortgage closing. (f) Implementation The Director may issue any guidance, orders, and regulations necessary to carry out this section. 3. FHA (a) Prohibition on restrictions During the period that begins 5 days after the date of the enactment of this Act and ends 60 days after the covered period with respect to the mortgage, notwithstanding any other provision of law, the Secretary of Housing and Urban Development may not deny the provision of mortgage insurance for a single-family mortgage originated on or after February 1, 2020, may not implement additional premiums or otherwise alter pricing for such a mortgage, may not require mortgagee indemnification, and may not establish additional restrictions on such a mortgagor, solely due to the fact that the borrower has— (1) entered into forbearance as a result of a financial hardship due, directly or indirectly, to the COVID-19 emergency; (2) requested forbearance as a result of a financial hardship due, directly or indirectly, to the COVID-19 emergency; or (3) inquired as to options related to forbearance as a result of a financial hardship due, directly or indirectly, to the COVID-19 emergency. (b) Rules of construction (1) Insurance This section may not be construed to require the Secretary of Housing and Urban Development to provide insurance on single-family mortgages that do not meet existing or amended insurance parameters, other than parameters related to borrower forbearance, established by the Secretary. (2) Employment