; (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 ; and (B) by adding at the end the following: (n) Consumer right To request forbearance (1) In general A borrower experiencing a financial hardship due, directly or indirectly, to a declared disaster may request forbearance from any mortgage payment for not less than 180 days, which may be extended for an additional 180 days at the request of the borrower, provided that, at the borrower's request, either the initial or extended period of forbearance may be shortened. (2) Accrual of interest or fees During a period of forbearance described in paragraph (1), no interest or other fees shall accrue on the borrower’s account. (3) Request for relief A borrower may submit a request for forbearance under paragraph (1) to their servicer, either orally or in writing, affirming that the borrower is experiencing hardship due, directly or indirectly, to a declared disaster. (4) Requirements for servicers (A) Notification (i) In general Each servicer of a federally related mortgage loan shall notify the borrower of their right to request forbearance under paragraph (3)— (I) not later than 14 days after the date of a declared disaster or, in the case of the coronavirus disease (COVID–19) pandemic, not later than 14 days after the date of enactment of this Act; and (II) during the incident period for a declared disaster and during not less than the 180-day period following that incident period— (aa) on each periodic statement provided to the borrower; and (bb) in any oral or written communication by the servicer with or to the borrower. (ii) Manner of notification (I) Written notification Any written notification required under clause (i)— (aa) shall be provided— (AA) in English and Spanish and in any additional languages in which the servicer communicates, including the language in which the loan was negotiated, to the extent known by the servicer