; and (ii) the consumer may, during that 1-year period— (I) communicate with an insurance company to determine coverage for the debt; or (II) apply for financial assistance. (3) No reporting during 1-year period (A) In general During the 1-year period described in paragraph (2), no person may communicate with, or report any information to, any consumer reporting agency regarding a debt described in that paragraph. (B) Rule of construction Nothing in subparagraph (A) may be construed to affect when a debt collector may engage in activities to collect or attempt to collect any debt owed or due or asserted to be owed. (4) Reporting after the 1-year period Nothing in this subsection shall prohibit a person from communicating with, or reporting any information to, a consumer reporting agency regarding a medical debt of a consumer after the end of the 1-year period described in paragraph (2) with respect to the debt. . 4. Effective date The amendments made by this Act shall take effect on the date that is 180 days after the date of enactment of this Act.