; and (B) the term securitization vehicle has the meaning given that term under section 129A(f)(3) of the Truth in Lending Act ( 15 U.S.C. 1639a(f)(3) ). (4) Rule of construction No provision of paragraph (1) or (2) shall be construed as affecting the liability of any servicer or person for actual fraud in servicing of a loan or for the violation of a State or Federal law. (i) Post-Pandemic mortgage repayment options Section 6 of the Real Estate Settlement Procedures Act of 1974 ( 12 U.S.C. 2605 ), as amended by subsection (d), is further amended by adding at the end the following: (p) Post-Pandemic mortgage repayment options With respect to a federally related residential mortgage loan, before the end of any forbearance provided under subsection (n), servicers shall— (1) evaluate the borrower’s ability to return to making regular mortgage payments; (2) if the borrower is able to return to making regular mortgage payments at the end of the forbearance period— (A) modify the borrower’s loan to extend the term for the same period as the length of the forbearance, with all payments that were not made during the forbearance distributed at the same intervals as the borrower’s existing payment schedule and evenly distributed across those intervals, with no penalties, late fees, additional interest accrued beyond the amounts scheduled or calculated as if the borrower made all contractual payments on time and in full under the terms of the mortgage contract in effect at the time the borrower entered into the forbearance, and with no modification fee charged to the borrower; or (B) if the borrower elects to modify the loan to capitalize a resulting escrow shortage or deficiency, the servicer may modify the borrower’s loan by re-amortizing the principal balance and extending the term of the loan sufficient to maintain the regular mortgage payments