1. Short title This Act may be cited as the Disaster Protection for Workers’ Credit Act . 2. Purpose The purpose of this Act, and the amendments made by this Act, is to protect consumers' credit from negative impacts as a result of financial hardship due to the coronavirus disease (COVID–19) outbreak and future major disasters. 3. Reporting of information during major disasters (a) In general The Fair Credit Reporting Act is amended by inserting after section 605B the following: 605C. Reporting of information during major disasters (a) Definitions In this section: (1) COVID–19 emergency period The term COVID–19 emergency period means the period beginning on the date of enactment of this section and ending on the later of— (A) 120 days after the date of enactment of this section; or (B) 120 days after the date of 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. (2) Covered major disaster period The term covered major disaster period means— (A) the period beginning on the date on which a major disaster is declared by the President under section 401 of the Robert T. Stafford Disaster Relief and Emergency Assistance Act ( 42 U.S.C. 5170 ), under which assistance is authorized under section 408 of such Act ( 42 U.S.C. 5174 ), and ending on the date that is 120 days after the end of the incident period designated in such declaration