; and (B) does not include a mortgage loan. (4) Debt collector The term debt collector means a creditor and any other person or entity that engages in the collection of debt, including the Federal Government and a State government, irrespective of whether the applicable debt is allegedly owed to or assigned to such creditor, person, or entity. (5) Mortgage loan The term mortgage loan means a covered mortgage loan (as defined under section 4022 of the CARES Act) and a multifamily mortgage loan (as defined under section 4023 of the CARES Act). (b) Prohibitions (1) In general Notwithstanding any other provision of law, no debt collector may, during a covered period— (A) enforce a security interest securing a debt through repossession, limitation of use, or foreclosure; (B) take or threaten to take any action to deprive an individual of their liberty as a result of nonpayment of or nonappearance at any hearing relating to an obligation owed by a consumer; (C) collect any debt, by way of garnishment, attachment, assignment, deduction, offset, or other seizure, from— (i) wages, income, benefits, bank, prepaid or other asset accounts; or (ii) any assets of, or other amounts due to, a consumer; (D) commence or continue an action to evict a consumer from real or personal property for nonpayment; (E) disconnect or terminate service from a utility service, including electricity, natural gas, telecommunications or broadband, water, or sewer, for nonpayment