PENNSYLVANIA, October 14 - exemption shall constitute an unfair or deceptive act or

practice for which the borrower may seek remedies under

the act of December 17, 1968 (P.L.1224, No.387), known as

the Unfair Trade Practices and Consumer Protection Law.

(6) If a mortgage servicer claims an inability to

implement paragraph (4), the mortgage servicer shall provide

notice to the borrower of all forbearance and postforbearance

options available for the mortgage loan that are consistent

with this law and to the extent that it is within the

servicer's contractual authority to do so. A mortgage

servicer that intends to offer only lump sum repayment or

short-term repayment plans as options for reinstatement after

forbearance shall clearly and conspicuously disclose that

these will be the affected borrower's limited options before

the borrower enters into a forbearance plan or, if the

borrower is in a forbearance plan on the effective date of

this act, within 30 days of the effective date of this act.

(7) Mortgage servicers shall ask borrowers the language

in which they prefer to communicate, shall document that

language preference in the servicing file and shall provide

oral interpretation or a bilingual representative fluent in

that language when communicating about loss mitigation

options in accordance with the requirements of this section.

(8) A mortgage servicer shall attach to a notice of sale

recorded and served in connection with a foreclosure a

certification of service of the disclosures described in

paragraph (2). A mortgage servicer may not record or serve a

notice of sale, schedule a foreclosure sale, publish notice

of a foreclosure sale, conduct a foreclosure sale or file a

complaint of judicial foreclosure unless the mortgage

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