; and (B) does not count toward an ISA recipient’s ISA payment window or ISA maximum number of payments. (31) Person The term person means a natural person or an organization, including a corporation, partnership, proprietorship, association, cooperative, estate, trust, or government unit. (32) Poverty line The term poverty line has the meaning given the term in section 673 of the Community Services Block Grant Act ( 42 U.S.C. 9902 ). (33) Secretary The term Secretary means the Secretary of Education. (34) State The term State means the several States of the United States, the Commonwealth of Puerto Rico, the District of Columbia, Guam, American Samoa, the Virgin Islands, the Northern Mariana Islands, the Federated States of Micronesia, the Republic of the Marshall Islands, and the Republic of Palau. (35) State law The term State law means— (A) any law, decision, rule, regulation, or other action having the effect of a law of any State or any political subdivision of a State, or any agency or instrumentality of a State or political subdivision of a State; and (B) any law of the United States applicable only to the District of Columbia. 3. Effective date This Act, and the amendments made by this Act, shall take effect on the date that is 180 days after the date of enactment of this Act. I New consumer protections specific to income share agreements 101. Prohibition on acceleration