; (2) record a covered debt; (3) issue notice of a covered debt to a person or a consumer reporting agency; (4) allow any interest to accrue on a covered debt; or (5) apply any administrative fee to a covered debt. (b) Exception Notwithstanding subsection (a), the Secretary may collect a payment regarding a covered debt (including interest or any administrative fee) from a person (or the fiduciary of that person) who elects to make such a payment during the covered period. (c) Definitions In this section: (1) The term consumer reporting agency has the meaning given that term in section 5701 of title 38, United States Code. (2) The term covered debt means a debt— (A) owed by a person (including a fiduciary) to the United States; (B) arising from a benefit under a covered law; and (C) that is not subject to recovery under— (i) section 3729 of title 31, United States Code; (ii) section 1729 of title 38, United States Code; or (iii) Public Law 87–693 ( 42 U.S.C. 2651 ). (3) The term covered law means any law administered by the Secretary of Veterans Affairs through— (A) the Under Secretary for Health; or (B) the Under Secretary for Benefits. (4) The term covered period means— (A) the COVID–19 emergency period