; and (ii) the consumer may, any time before the end of such 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 before the end of the 1-year period (A) In general Before the end of the 1-year period described in paragraph (2)(A), no person may communicate with, or report any information to, any consumer reporting agency regarding a debt described in that paragraph. (B) Reporting after the end of 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)(A) with respect to the debt. (4) No debt collection before the end of the 1-year period With respect to a medical debt, before the end of the 1-year period described in paragraph (2)(A), a debt collector may not engage in activities to collect or attempt to collect such medical debt owed or due or asserted to be owed. . (b) Effective date The amendment made by this section shall take effect on the date that is 180 days after the date of enactment of this Act. 3. Prohibition on reporting medically necessary procedures (a) In general Section 605(a) of the Fair Credit Reporting Act ( 15 U.S.C. 1681c(a) ) is amended by adding at the end the following new paragraph: (9) Any information related to a debt arising from a medically necessary procedure. . (b) Effective date The amendment made by this section shall take effect on the date that is 180 days after the date of enactment of this Act.