; and (2) by adding at the end the following: (h) Forbearance for affected consumers (1) Forbearance program Each debt collector that makes use of the credit facility described in paragraph (4) shall establish a forbearance program for debts available during the covered period. (2) Automatic grant of forbearance upon request Under a forbearance program required under paragraph (1), upon the request of a consumer experiencing a financial hardship due, directly or indirectly, to COVID–19, the debt collector shall grant a forbearance on payment of debt for such time as needed until the end of the covered period, with no additional documentation required other than the borrower’s attestation to a financial hardship caused by COVID–19 and with no fees, penalties, or interest (beyond the amounts scheduled or calculated as if the borrower made all contractual payments on time and in full under the terms of the loan contract) charged to the borrower in connection with the forbearance. (3) Exception for certain mortgage loans subject to the CARES Act This subsection shall not apply to a mortgage loan subject to section 4022 or 4023 of the CARES Act. . 110404. Credit facility Section 812A(h) of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq.), as added by section 110403, is amended by adding at the end the following: (4) Credit facility The Board of Governors of the Federal Reserve System shall— (A) establish a facility, using amounts made available under section 4003(b)(4) of the CARES Act ( 15 U.S.C. 9042(b)(4) ), to make long-term, low-cost loans to debt collectors to temporarily compensate such debt collectors for documented financial losses caused by forbearance of debt payments under this subsection