To amend the Fair Debt Collection Practices Act to provide a timetable for the collection of medical debt by debt collectors, to amend the Fair Credit Reporting Act to prohibit consumer reporting agencies from issuing consumer reports containing information about debts related to medically necessary procedures, and for other purposes.
Summary
What This Bill Does
The bill requires prohibition on consumer reporting agencies reporting certain medical debt Section 603 of the Fair Credit Reporting Act (15 U.S.C and creates requirements for furnishers of medical debt information Section 623 of the Fair Credit Reporting Act (15 U.S.C. It relies on definition changes, reporting requirements, compliance mandates, and product standards. The main policy areas are Healthcare Consumers, Healthcare, Environment, and Finance.
Who Benefits and How
Public beneficiaries or protected communities affected by the clause could face reduced risk.
Who Bears the Burden and How
Federal, state, or local agencies responsible for implementing the clause would take on compliance duties, Patients and health care consumers affected by the bill would take on compliance duties, and Financial services firms and customers affected by the bill would take on compliance duties.
Key Provisions
- Requires prohibition on consumer reporting agencies reporting certain medical debt Section 603 of the Fair Credit Reporting Act (15 U.S.C.
- Creates requirements for furnishers of medical debt information Section 623 of the Fair Credit Reporting Act (15 U.S.C.
Evidence Chain:
This summary is generated from the full bill text using AI analysis. Expand "Detailed Analysis" below for identified beneficiaries/burden bearers with clause-level evidence links.
At a Glance
What This Bill Does
The bill requires prohibition on consumer reporting agencies reporting certain medical debt Section 603 of the Fair Credit Reporting Act (15 U.S.C and creates requirements for furnishers of medical debt information Section 623 of the Fair Credit Reporting Act (15 U.S.C.
Key Policy Areas
Healthcare Consumers, Healthcare, Environment, Finance
Primary Purpose
The bill requires prohibition on consumer reporting agencies reporting certain medical debt Section 603 of the Fair Credit Reporting Act (15 U.S.C and creates requirements for furnishers of medical debt information Section 623 of the Fair Credit Reporting Act (15 U.S.C.
Policy Domains
Whole bill
Identified Gains
- Public beneficiaries or protected communities affected by the clause
Identified Costs
- Federal, state, or local agencies responsible for implementing the clause
- Patients and health care consumers affected by the bill
- Financial services firms and customers affected by the bill
- Environmental and public health interests affected by the bill
Sponsors
Legislative Progress
IntroducedMs. Tlaib introduced the following bill; which was referred to …
Impact analysis is available but no clear stakeholder effects identified. View clause-level analysis →
Bill Structure & Actor Mappings
Who is "The Secretary" in each section?
We use a combination of our own taxonomy and classification in addition to large language models to assess meaning and potential beneficiaries. High confidence means strong textual evidence. Always verify with the original bill text.
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