; and (ii) disclose all relevant information to the consumer relating to the procedures for temporarily lifting and fully removing a credit freeze, including a statement about the maximum amount of time given to an agency to conduct such actions; (B) for a consumer who provides a correct personal identification number or password, temporarily lift an existing credit freeze from the consumer’s file for a period of time specified by the consumer for a specific user or category of users, as determined by the consumer— (i) not later than 1 business day after receiving the request by postal mail; or (ii) not later than 15 minutes after receiving the request by toll-free telephone number or secure electronic means established by the agency, if such request is received during regular business hours, except if the consumer reporting agency’s ability to temporarily lift the credit freeze is prevented by— (I) an act of God, including earthquakes, hurricanes, storms, or similar natural disaster or phenomenon, or fire; (II) unauthorized or illegal acts by a third party including terrorism, sabotage, riot, vandalism, labor strikes or disputes disrupting operations, or a similar occurrence; (III) an operational interruption, including electrical failure, unanticipated delay in equipment or replacement part delivery, computer hardware or software failures inhibiting response time, or a similar disruption; (IV) governmental action, including emergency orders or regulations, judicial or law enforcement action, or a similar directive; (V) regularly scheduled maintenance or updates to the consumer reporting agency’s systems occurring outside of normal business hours; or (VI) commercially reasonable maintenance of, or repair to, the consumer reporting agency’s systems that is unexpected or unscheduled