Bill > S2519

This bill, known as the Medical Debt Relief Act of 2025, aims to protect consumers by prohibiting medical debt from being included on credit reports and restricting how creditors can use medical debt information. Specifically, the bill amends the Fair Credit Reporting Act to define medical debt as any debt arising from medical services, products, or devices, and removes medical debt from the list of information that can be reported on a consumer's credit report. The bill also requires the Director of the Bureau of Consumer Financial Protection to modify regulations within one year of enactment to prevent creditors from using medical debt information when deciding whether to extend credit to a consumer. This legislation seeks to address the negative impact medical debt can have on an individual's credit score and ability to access financial services, recognizing that medical expenses are often unexpected and not necessarily reflective of a person's creditworthiness.

Housing and Urban Affairs

https://www.congress.gov/bill/119th-congress/senate-bill/2519/all-info