Bill > H5184

This bill prohibits credit reporting agencies from including medical debt information in consumer credit reports, prevents creditors from filing executions or attachments against a person's primary residence for judgments based on medical debt, and provides a clear definition of medical debt. Specifically, the bill defines medical debt as an obligation to pay for healthcare services, products, or devices owed to a healthcare facility or professional, while explicitly excluding Medicaid reimbursements and child support orders from this definition. The legislation applies to various legal processes such as credit reporting, execution of judgments, and wage garnishment, ensuring that individuals cannot have their credit scores negatively impacted or their primary homes seized due to outstanding medical expenses. By protecting consumers from severe financial consequences related to medical bills, the bill aims to provide relief for individuals facing healthcare-related financial challenges. The provisions of this bill will take effect on January 1, 2026, giving entities time to adapt to the new legal requirements.

Justice

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