1. Debt collection (a) Temporary debt collection moratorium during the COVID-19 emergency period (1) In general The Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq.) is amended by inserting after section 812 the following: 812A. Temporary debt collection moratorium during the COVID-19 emergency period (a) Definitions In this section: (1) Consumer The term consumer means any natural person obligated or allegedly obligated to pay any debt. (2) COVID-19 emergency period The term COVID-19 emergency period means the period that begins upon the date of the enactment of this Act and ends upon the date of the termination by the Federal Emergency Management Administration of the emergency declared on March 13, 2020, by the President under 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. (3) Creditor The term creditor means any person who offers or extends credit creating a debt or to whom a debt is owed or other obligation of payment. (4) Debt The term debt — (A) means any past due obligation or alleged obligation of a consumer, non-profit organization, or small business to pay money— (i) arising out of a transaction in which the money, property, insurance, or services which are the subject of the transaction are primarily for personal, family, business, non-profit, or household purposes, whether or not such obligation has been reduced to judgment; and (ii) owed to a local, State, or Federal government