1. Consumer right to request forbearance The Real Estate Settlement Procedures Act of 1974 ( 12 U.S.C. 2601 et seq.) is amended— (1) in section 3 ( 12 U.S.C. 2602 )— (A) in paragraph (8), by striking and at the end; (B) in paragraph (9), by striking the period at the end and inserting ; and ; and (C) by adding at the end the following: (10) the term declared disaster means— (A) the coronavirus disease (COVID–19) pandemic; and (B) a major disaster or emergency declared by the President under section 401 or 501, respectively, of the Robert T. Stafford Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 5170 , 5191). ; and (2) in section 6 ( 12 U.S.C. 2605 )— (A) in subsection (k)(1)— (i) in subparagraph (D), by striking or at the end; (ii) by redesignating subparagraph (E) as subparagraph (G); and (iii) by inserting after subparagraph (D) the following: (E) initiate any judicial or non-judicial foreclosure process, move for a foreclosure judgment or order of sale, or execute a foreclosure-related eviction or foreclosure sale during the 180-day period following a declared disaster in the area in which the property is located; (F) fail to toll the time in a foreclosure process on a property for not less than 180 days following a declared disaster in the area in which the property is located; or