; and (B) includes the period beginning on the date that is 1 day after the date of enactment of this Act and ending on the date that is 120 days after the end of the incident period with respect to the emergency involving Federal primary responsibility determined to exist by the President under the section 501(b) of the Robert T. Stafford Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 5191(b) ) with respect to the coronavirus disease 2019 (COVID–19). (3) The term creditor means— (A) any person who offers or extends credit creating a debt or to whom a debt is owed or other obligation for payment; (B) any lessor of real or personal property; or (C) any provider of utility services. (4) The term debt — (A) means any obligation or alleged obligation that is or during the covered period becomes past due— (i) for which the original agreement, of if there is no agreement, the original obligation to pay was created before the covered period, whether or not such obligation has been reduced to judgment; and (ii) that arises out of a transaction— (I) with a consumer; or (II) with a small business; and (B) does not include a federally related mortgage loan. (5) The term debt collector means a creditor, and any person or entity that engages in the collection of debt, including the Federal Government and a State government, irrespective of whether the debt is allegedly owed to or assigned to that person or to the entity. (6) The term federally related mortgage loan has the meaning given the term in section 3 of the Real Estate Settlement Procedures Act of 1974 ( 12 U.S.C. 2602 ). (7) The term major disaster or emergency means— (A) 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 ), where assistance is authorized under section 408 of such Act ( 42 U.S.C. 5174 )