; or (B) to whom any obligation for payment is owed. (3) Debt The term debt — (A) means any obligation or alleged obligation that is or during the covered period becomes past due, other than an obligation arising out of a credit agreement entered into after the effective date of this section, that arises out of a transaction with a nonprofit organization or small business; and (B) does not include a mortgage loan. (4) Debt collector The term debt collector means a creditor and any other person or entity that engages in the collection of debt, including the Federal Government and a State government, irrespective of whether the applicable debt is allegedly owed to or assigned to such creditor, person, or entity. (5) Mortgage loan The term mortgage loan means a covered mortgage loan (as defined under section 4022 of the CARES Act) and a multifamily mortgage loan (as defined under section 4023 of the CARES Act). (6) Nonprofit organization The term nonprofit organization means an organization that is described in section 501(c)(3) of the Internal Revenue Code of 1986 and that is exempt from taxation under section 501(a) of such Code. (7) Small business The term small business has the meaning given the term small business concern in section 3 of the Small Business Act ( 15 U.S.C. 632 ). (b) Prohibitions (1) In general Notwithstanding any other provision of law, no debt collector may, during a covered period— (A) enforce a security interest securing a debt through repossession, limitation of use, or foreclosure; (B) take or threaten to take any action to deprive an individual of their liberty as a result of nonpayment of or nonappearance at any hearing relating to an obligation owed by a small business or nonprofit organization; (C) collect any debt, by way of garnishment, attachment, assignment, deduction, offset, or other seizure, from— (i) wages, income, benefits, bank, prepaid or other asset accounts; or (ii) any assets of, or other amounts due to, a small business or nonprofit organization