On the OP question; there are rare occasions when ATC cut you in closer than you expected or asked you to keep the speed up, when I might ask: "Flap x as soon as you can", and we both understand that means when the speed has dropped suitably below Vfe next.
I cannot imagine such urgency in normal flight that the PF doesn't have even the few seconds to glance at the speed and utter "Flap X". Just because PM is supposed to call speed checked doesn't mean PF can order flap at any speed. It's a double check. Airbus even shows you Vfe next. This all non-standard and unjustifiable. ATC will tell you no speed restrictions you have to go managed speed it may take time for speed to reduce. You cannot write a blank cheque. Look! There's only so much distance within which you can do things properly. Anything more tight you must refuse the speed restriction or try your luck and go around. There are only standard call outs, no non-standard call outs.