118th Congress · HOUSE BILLBILL

H.R. 1773 — Consumer Protection for Medical Debt Collections Act

“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.”

Finance and financial sector

Introduced Mar 23, 2023

Last action Mar 23, 2023

Pipeline · Bill → Law

Step 1

Introduced

Mar 23, 2023

Step 2

Referred

Mar 23, 2023

Financial Services

Step 3

Committee

Step 4

House floor

Step 5

Senate

Step 6

Resolve Changes

Step 7

Signed

SummaryCRS Summary

This bill restricts the inclusion of medical debt on a consumer credit report. A consumer reporting agency is prohibited from including on a consumer credit report, and a person is prohibited from reporting to such agency (1) medical debt arising from a medically necessary procedure, or (2) other medical debt less than a year old. A person reporting medical debt to a consumer reporting agency must first provide notice to that consumer regarding the restrictions on including medical debt on credit reports. Furthermore, a debt collector is prohibited from collecting a medical debt less than two years old.

Provisions · 5 sectionsIntroduced in House

Timeline · 3 actions

Mar 23, 2023

Introduced in House

Mar 23, 2023

Sponsor introductory remarks on measure.

Mar 23, 2023

Referred to the House Committee on Financial Services.