; and (3) provide to any borrower whose payments on the covered mortgage loan are or become 31 days delinquent, a notification in writing, in both English and Spanish language, not later than the 45th day of the delinquency of the borrower, that— (A) states that the borrower may be eligible for forbearance under this section; (B) states that the borrower may seek language assistance and general help through a housing counseling agency certified by the Department of Housing and Urban Development; and (C) provides information on how to find a counseling agency described in subparagraph (B). .