118th Congress · HOUSE BILLBILL

H.R. 7515 — Protecting Native Americans’ Credit Act of 2024

“To amend the Fair Credit Reporting Act to delay the inclusion in consumer credit reports and to establish requirements for debt collectors with respect to medical debt information of Native Americans due to inappropriate or delayed billing payments or reimbursements from the Indian Health Service, and for other purposes.”

Finance and financial sector

Introduced Mar 1, 2024

Last action Mar 1, 2024

Pipeline · Bill → Law

Step 1

Introduced

Mar 1, 2024

Step 2

Referred

Mar 1, 2024

Financial Services

Step 3

Committee

Step 4

House floor

Step 5

Senate

Step 6

Resolve Changes

Step 7

Signed

SummaryCRS Summary

This bill excludes specified medical debt incurred by Native Americans from credit reports. The bill applies to medical debt related to treatment authorized by an Indian Health Service facility and performed at a non-Indian Health Service facility and medical debt wrongfully charged by the Department of Health and Human Services. This type of debt must be excluded from a credit report if the medical debt was incurred as a result of services received in the last year or if the debt has been fully paid or settled. The bill also establishes a dispute process for such debt.

Provisions · 3 sectionsIntroduced in House

Timeline · 2 actions

Mar 1, 2024

Introduced in House

Mar 1, 2024

Referred to the House Committee on Financial Services.