I am seeing guidance out there that we still have to send the acknowledgment out the person requesting help, but not within 5 days. We have
up to the time of forbearance to send them an acknowledgement that we received a request for them. Really?
First of all, this is not an incomplete application, it is not a complete application, it is not an application for loss mitigation at all. It is an automatic three month deferral if they attest they have a Covid 19 hardship-no questions asked other than that. Yet we still have to send
them an acknowledgement 90 days later after they have already signed a forbearance agreement. Does this make sense to anyone?

I would review the guidance released by the CFPB to date via a Joint Statement and FAQs:

https://www.consumerfinance.gov/policy-compliance/guidance/mortserv/

"On April 3, 2020, the federal financial institution regulators and state regulators issued a joint policy statement providing needed regulatory flexibility to enable mortgage servicers to work with struggling consumers affected by the Coronavirus Disease (referred to as COVID-19) emergency. The Bureau also published mortgage servicing rules FAQs related to the COVID-19 emergency."