; or (B) 120 days after the date on which the public health emergency declared by the Secretary of Health and Human Services on January 31, 2020, under section 319 of the Public Health Service Act ( 42 U.S.C. 247d ), terminates. (2) Covered major disaster period The term covered major disaster period means the period beginning on the date on which a major disaster is declared by the President under section 401 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 5170 ) and ending on the date that is 120 days after the end of the incident period designated in such declaration. (3) Major disaster The term major disaster means a major disaster declared by the President under section 401 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 5170 ), under which assistance is authorized under section 408 of such Act ( 42 U.S.C. 5174 ). (b) Moratorium on furnishing adverse information during covered coronavirus disease (COVID–19) outbreak period No person may furnish any adverse item of information relating to a consumer that was the result of any action or inaction that occurred during the covered coronavirus disease (COVID–19) outbreak period. (c) Moratorium on furnishing adverse information during covered major disaster period No person may furnish any adverse item of information relating to a consumer that was the result of any action or inaction that occurred during a covered major disaster period if the consumer is a resident of the affected area covered by a declaration made by the President under section 401 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 5170 ). (d) Information excluded from consumer reports In addition to the information described in section 605(a), no consumer reporting agency may make any consumer report containing an adverse item of information reported relating to a consumer that was the result of any action or inaction that occurred during the covered coronavirus disease (COVID–19) outbreak