; and (B) does not include a traveler’s check. (2) Checking account penalty fee The term checking account penalty fee means a nonsufficient fund fee or an overdraft coverage fee. (3) Consumer The term consumer has the meaning given the term in section 103(i) of the Truth in Lending Act ( 15 U.S.C. 1602(i) ). (4) Consumer reporting agency The term consumer reporting agency has the meaning given the term in section 603 of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ). (5) Covered period The term covered period means— (A) the period that begins 1 day after the date on which a major disaster is 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 that Act ( 42 U.S.C. 5174 ), and ending 120 days after the end of the incident period for that disaster