; or (B) any other device or instrument that may pose a safety hazard or compromise the borrower’s privacy, as determined by the Secretary of Defense, in consultation with the Federal Trade Commission. . (d) Extension of coverage to credit for cars and other personal property (1) Coverage Subsection (i)(6) of such section is amended by striking (A) a residential mortgage and all that follows and inserting a residential mortgage. . (2) Effective date The amendment made by paragraph (1) shall take effect on the date that is 180 days after the date of the enactment of this Act, and shall apply with respect to consumer credit extended on or after such effective date. (e) Regulations The Secretary of Defense shall modify the regulations prescribed to carry out section 987 of title 10, United States Code, to take into account the amendments made by subsections (a) through (d) by not later than 180 days after the date of the enactment of this Act. 3. Enhanced protection against debt collector harassment of members of the Armed Forces (a) Communication in connection with debt collection Section 805 of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692c ) is amended by adding at the end the following: (e) Communications concerning servicemember debts (1) Definition In this subsection, the term covered member has the meaning given the term in section 987(i) of title 10, United States Code. (2) Prohibition A debt collector may not communicate, in connection with the collection of any debt, with the commanding officer or officer in charge of any covered member, including for the purpose of acquiring location information about the covered member. . (b) False or misleading representations Section 807 of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692e ) is amended by adding at the end the following: (17) The false representation to any covered member, as defined in section 987(i) of title 10, United States Code, that failure to cooperate with a debt collection will result in prosecution under chapter 47 of title