H.R. 4827
119th CONGRESS 1st Session
To amend the Fair Credit Reporting Act to prohibit the inclusion of medical debt on a consumer report, and for other purposes.
IN THE HOUSE OF REPRESENTATIVES · July 29, 2025 · Sponsor: Ms. Williams of Georgia · Committee: Committee on Financial Services
Table of contents
SEC. 1. Short title
- This Act may be cited as the Medical Debt Relief Act of 2025.
SEC. 2. Amendments to Fair Credit Reporting Act
- (a) Medical debt defined
- Section 603 of the Fair Credit Reporting Act () is amended by adding at the end the following: 15 U.S.C. 1681a
- (bb) Medical debt
- The term
medical debtmeans a debt related to, in whole or in part, transactions, accounts, or balances arising from the receipt of medical services, products, or devices.
- The term
- (bb) Medical debt
- Section 603 of the Fair Credit Reporting Act () is amended by adding at the end the following: 15 U.S.C. 1681a
- (b) Exclusion for medical debt
- (1) In general
- Section 605(a) of the Fair Credit Reporting Act () is amended by striking paragraph (6) and inserting the following: 15 U.S.C. 1681c(a)
- In general
- Any adverse information related to a medical debt, including a medical debt that was placed for collection, charged to profit or loss, or subjected to any similar action.
- (2) Technical and conforming amendments
- Section 604(g) of the Fair Credit Reporting Act () is amended— 15 U.S.C. 1681b(g)
- in paragraph (1)—
- (i) in the matter preceding subparagraph (A), by striking ;
- (ii) in subparagraph (A), by adding at the end;
or - (iii) in subparagraph (B)(ii), by striking and inserting a period; and
- (iv) by striking subparagraph (C); and
- in paragraph (2), by striking .
- in paragraph (1)—
- Section 604(g) of the Fair Credit Reporting Act () is amended— 15 U.S.C. 1681b(g)
- (1) In general
SEC. 3. Modification of regulations relating to prohibitions on use of medical debt information
- (a) Definitions
- In this section, the terms and have the meanings given those terms in section 702 of the Equal Credit Opportunity Act ().
credit,creditor15 U.S.C. 1691a - Definitions
- In this section, the terms and have the meanings given those terms in section 702 of the Equal Credit Opportunity Act ().
- (b) Requirement
- Not later than 1 year after the date of enactment of this Act, the Director of the Bureau of Consumer Financial Protection shall amend section 1022.30 of title 12, Code of Federal Regulations, or any successor regulation, to ensure that creditors are prohibited from obtaining or using information relating to the medical debt of a consumer in determining whether or not to extend credit to that consumer.
- Requirement