PENNSYLVANIA, April 13 - Section 3. Deferment program for mortgage payments.

During a declaration by the Governor of disaster emergency

under 35 Pa.C.S. § 7301(c) (relating to general authority of

Governor) and for 180 days after the expiration or termination

of the declaration by executive order, proclamation

or operation of law, a mortgage servicer that services a

mortgage loan under the jurisdiction of the secretary shall

develop a deferment program for mortgage loan borrowers in

accordance with the department's criteria under section 4(a)

that, at a minimum, provides for all of the following:

(1) Grants at least a 90-day deferment period of

mortgage loan payments for borrowers for each month the

mortgage loan is in deferment under a deferment program.

(2) Waives any late fee, processing fee or any other

fees accrued during the pendency of the disaster emergency.

This paragraph shall not apply to taxes or insurance

collected in accordance with a mortgage loan.

(3) Does not report to a credit bureau any delinquency

or other derogatory information that occurs as a result of

the deferment.

(4) Does not require the borrower to pay past due

mortgage payments due during the deferment period until, at

the earliest, the first month following the last month of the

original term of the mortgage loan.

(5) Beginning in the first month following the end of

the last month of the original term of the mortgage loan and

unless the borrower voluntarily contributes a greater amount,

allows a mortgage servicer to collect a monthly amount of no

more than the lesser of the following:

(i) Thirty-three percent of the full monthly

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