; and (ii) the consumer may, during that 180-day period— (I) communicate with an insurance company to determine coverage for the debt; or (II) apply for financial assistance. (3) No reporting during 180-day period (A) In general During the 180-day period described in paragraph (2), no person may communicate with, or report any information to, any consumer reporting agency regarding a debt described in that paragraph. (B) Rule of construction Nothing in this paragraph may be construed to affect when a debt collector may engage in activities to collect or attempt to collect any debt owed or due or asserted to be owed. (4) Reporting after the 180-day period Nothing in this subsection shall prohibit a person from communicating with, or reporting any information to, a consumer reporting agency regarding a medical debt of a consumer after the end of the 180-day period described in paragraph (2) with respect to the debt. . 4. Effective date Except as otherwise expressly provided, the amendments made by this Act shall take effect on the date that is 180 days after the date of enactment of this Act.