Bill > HB0195

This bill prohibits medical facilities and collection entities in Wyoming from reporting medical debt to credit reporting agencies starting July 1, 2025, with the aim of protecting consumers from having medical expenses negatively impact their credit scores. The bill provides detailed definitions for key terms such as "medical debt" (which excludes credit card charges unless the card is specifically for healthcare expenses), "medical facility", "credit reporting agency", and "collection entity". If a medical facility or collection entity violates this prohibition, they may face a civil penalty equal to the amount of medical debt reported. The legislation specifically defines medical debt as any obligation related to receiving healthcare products or services and exempts certain credit card charges. The bill does not invalidate existing contracts entered into before the July 1, 2025 effective date and makes a technical amendment to update a cross-reference in existing state law. By preventing medical debt from appearing on credit reports, the bill seeks to reduce the potential financial harm that medical expenses can cause to individuals' credit histories.

Health and Social Services

https://www.wyoleg.gov/Legislation/2025/HB0195