; (II) is communicating with other individuals by telephone or other means; (III) is buying multiple firearms; (IV) has been the subject of a crime gun trace; (V) has purchased a firearm in the preceding 30 days; or (VI) otherwise indicates that a firearm is being obtained for another person; (ii) instruct licensees and their employees to attempt to ascertain whether a prospective firearm transferee is lawfully purchasing a firearm, including by asking questions of the prospective firearm transferee (including whether he or she intends to transfer the firearm to another person); and (iii) inform licensees and their employees about how to report a suspected fraudulent firearm purchase to the Bureau of Alcohol, Tobacco, Firearms, and Explosives. (B) Beginning 545 days after the date of the enactment of this subsection, each such licensee shall— (i) obtain the written protocols described in subparagraph (A); and (ii) during all business hours, display the written protocols at each point of sale in the firearms business of the licensee, in a manner that is clearly visible to employees of the business. (4) Beginning 545 days after the date of the enactment of this subsection, each licensee referred to in paragraph (1)(A) of this subsection shall maintain general business and liability insurance as described in subsection (d)(1)(F)(iv) during each day of a calendar month, unless the licensee has certified to the Attorney General, on the 1st day of that month, that the licensee— (A) did not transfer more than 20 firearms in the 12-month period that precedes the date of the certification