; (10) disconnecting a consumer, small business, or non-profit organization from a utility prepaid or post-paid electricity, natural gas, telecommunications, broadband, water, or sewer service; or (11) exercising a right to set off provision contained in any consumer, small business, or non-profit organization account agreement with a depository institution. (c) Violation Any person who violates a provision of this section shall— (1) be treated as a debt collector for purposes of section 813; and (2) be liable to the consumer, small business, or non-profit organization an amount equal to 10 times the damages allowed under section 813 for each such violation. . (2) Table of contents amendment The table of contents at the beginning of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq.) is amended by inserting after the item relating to section 812 the following new item: 812A. Temporary debt collection moratorium during the COVID–19 emergency period. . (b) Confessions of judgment prohibition (1) In general Chapter 2 of the Truth in Lending Act ( 15 U.S.C. 1631 et seq.) is amended— (A) by adding at the end the following: 140B. Confessions of judgment prohibition (a) In general During a period described under section 812A(b) of the Fair Debt Collection Practices Act, no person may directly or indirectly take or receive from another person or seek to enforce an obligation that constitutes or contains a cognovit or confession of judgment (for purposes other than executory process in the State of Louisiana), warrant of attorney, or other waiver of the right to notice and the opportunity to be heard in the event of suit or process thereon. (b) Exemption The exemption in section 104(1) shall not apply to this section. (c) Debt defined In this section, the term debt means any obligation of a person to pay to another person money— (1) regardless of whether the obligation is absolute or contingent, if the understanding between the parties is that any part of the money shall be or may be returned