that term under section 140(h)(8) of the Truth in Lending Act, as added by section 501. VI Standing Up for Small Businesses, Minority-Owned Businesses, and Non-Profits 601. Restrictions on collections of small business and nonprofit debt during a national disaster or emergency (a) In general The Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq.), as amended by section 110402, is further amended by inserting after section 812A the following: 812B. Restrictions on collections of small business and nonprofit debt during a national disaster or emergency (a) Definitions In this section: (1) Covered period The term covered period means the period beginning on the date of enactment of this section and ending 120 days after the end of the incident period for the emergency declared on March 13, 2020, by the President under section 501 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 4121 et seq.) relating to the Coronavirus Disease 2019 (COVID–19) pandemic. (2) Creditor The term creditor means any person— (A) who offers or extends credit creating a debt or to whom a debt is owed