from garnishment without requiring the account holder to assert any right of garnishment exemption or requiring the consent of the judgment creditor. (iii) Liability A financial institution that complies in good faith with clause (i) or that acts in good faith in reliance on clause (ii) shall not be liable under any Federal or State law, regulation, or court or other order to a creditor that initiates an order for any protected amounts, to an account holder for any frozen amounts or garnishment order applied. (D) Definitions For purposes of this paragraph— (i) Account holder The term account holder means a natural person against whom a garnishment order is issued and whose name appears in a financial institution’s records. (ii) Applicable payment The term applicable payment means any payment of credit or refund by reason of section 6428 of such Code (as so added) or by reason of subsection (c) of this section. (iii) Garnishment The term garnishment means execution, levy, attachment, garnishment, or other legal process. (iv) Garnishment order The term garnishment order means a writ, order, notice, summons, judgment, levy, or similar written instruction issued by a court, a State or State agency, a municipality or municipal corporation, or a State child support enforcement agency, including a lien arising by operation of law for overdue child support or an order to freeze the assets in an account, to effect a garnishment against a debtor. (5) Treatment of credit and advance payments For purposes of section 1324 of title 31, United States Code, any credit under section 6428A(a) of the Internal Revenue Code of 1986, any credit or refund under section 6428A(g) of such Code, and any payment under subsection (b) of this section, shall be treated in the same manner as a refund due from a credit provision referred to in subsection (b)(2) of such section 1324. (6) Agency information sharing and assistance The Commissioner of Social Security, the Railroad Retirement Board, and the Secretary of Veterans Affairs shall each