; and (B) by adding at the end the following: (3) Repossession moratorium In the case of personal property, including any recreational or motor vehicle, used as a dwelling, no person may use any judicial or non-judicial procedure to repossess or otherwise take possession of such property for six months after date of enactment of this paragraph. . (4) Mortgage forbearance reforms Section 4022 of the CARES Act ( 15 U.S.C. 9056 ) is amended— (A) in subsection (b), by striking paragraphs (1), (2), and (3) and inserting the following: (1) In general During the covered period, a borrower with a covered mortgage loan who has not obtained automatic forbearance pursuant to this section and who is experiencing a financial hardship that prevents the borrower from making timely payments on the covered mortgage loan due, directly or indirectly, to the COVID–19 emergency may request forbearance on the loan, regardless of delinquency status, by— (A) submitting a request, orally or in writing, to the servicer of the loan