; and (B) 1 payment period in addition to the payment periods described under subparagraph (A). (2) Debt arising from an open end credit plan For debt arising from an open end credit plan, as defined in section 103 of the Truth in Lending Act ( 15 U.S.C. 1602 ), the debt collector shall allow the small business or nonprofit organization to repay the past-due balance in a manner that does not exceed the amounts permitted by the methods described in section 171(c) of the Truth in Lending Act ( 15 U.S.C. 1666i–1(c) ) and regulations promulgated under that section. (3) Debt arising from other credit (A) In general For debt not described under paragraph (2) or (3), the debt collector shall— (i) allow the small business or nonprofit organization to repay the past-due balance of the debt in substantially equal payments over time; and (ii) provide the small business or nonprofit organization with— (I) for past due balances of $2,000 or less, 12 months to repay, or such longer period as the debt collector may allow; (II) for past due balances between $2,001 and $5,000, 24 months to repay, or such longer period as the debt collector may allow; or (III) for past due balances greater than $5,000, 36 months to repay, or such longer period as the debt collector may allow. (B) Additional protections The Director of the Bureau may issue rules to provide greater repayment protections to small businesses and nonprofit organizations with debts described under subparagraph (A). (C) Relation to State law This paragraph shall not preempt any State law that provides for greater small business or nonprofit organization protections than this paragraph.