1. Short title This Act may be cited as the Consumer Relief during COVID–19 Act . 2. Restrictions on collections of consumer debt during a national disaster or emergency (a) In general The Fair Debt Collection Practices Act ( 15 U.S.C. 1692 et seq.) is amended by inserting after section 812 ( 15 U.S.C. 1692j ) the following: 812A. Restrictions on collections of consumer debt during a national disaster or emergency (a) Definitions In this section: (1) Covered period The term covered period means the period beginning on the date of enactment of this section and ending 120 days after the end of the incident period for the emergency declared on March 13, 2020, by the President under section 501 of 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) Creditor The term creditor means any person— (A) who offers or extends credit creating a debt or to whom a debt is owed; or (B) to whom any obligation for payment is owed. (3) Debt The term debt — (A) means any obligation or alleged obligation that is or during the covered period becomes past due, other than an obligation arising out of a credit agreement entered into after the effective date of this section, that arises out of a transaction with a consumer