Bill > SB5480

This bill aims to protect consumers by addressing medical debt and its reporting to credit agencies. It modifies existing laws to provide several key protections: First, the bill expands the definition of "medical debt" to include a broader range of medical-related charges and services. It prohibits hospitals, physician groups, and collection agencies from reporting medical debt to credit reporting agencies, making such debts void and unenforceable if reported. The bill requires detailed itemized statements be provided to patients upon request, including specifics like service dates, healthcare services provided, principal amounts, adjustments, payments, and charity care eligibility. Collection agencies are now required to include additional information in their first written notice to debtors about medical debt, such as the right to request account details and payment history. The legislation also restricts collection efforts during charity care applications and appeals. Furthermore, the bill limits the timeframe for reporting medical debt on consumer credit reports and considers violations of these provisions as potential consumer protection act breaches. Notably, the bill applies to a wide range of medical services and aims to prevent patients from being unfairly penalized for medical expenses by limiting negative credit reporting and providing more transparency in the debt collection process.

Business and Industry, Justice

https://app.leg.wa.gov/billsummary?BillNumber=5480&Year=2025&Initiative=false