summary
Introduced
12/05/2025
12/05/2025
In Committee
12/05/2025
12/05/2025
Crossed Over
Passed
Dead
Introduced Session
2026 Regular Session
Bill Summary
Exclusion of medical debt from credit scoring. Prohibits a health care provider from reporting or furnishing to a consumer reporting agency any information related to health care debt owed or alleged to be owed by a consumer who resides in Indiana. Requires a health care provider to include in any contract entered into with a third party furnisher a provision that prohibits the reporting or furnishing to a consumer reporting agency any information related to health care debt owed or alleged to be owed by a consumer, including information concerning any delinquent account action taken with respect to health care debt. Prohibits a consumer reporting agency from recording or retaining in the file of a consumer any information that is: (1) related to health care debt incurred or alleged to be incurred by the consumer; and (2) reported to the consumer reporting agency after June 30, 2026. Provides that if a consumer reporting agency receives a request from a consumer to delete any record of health care debt maintained in the file of the consumer, the consumer reporting agency shall, not later than five business days after receiving the request, take all lawful and reasonable actions to delete from the consumer's file the record of the health care debt, regardless of when the health care debt was reported to the consumer reporting agency. Provides that a person who violates the provisions of this act commits a deceptive act.
AI Summary
This bill establishes new regulations in Indiana regarding medical debt reporting, prohibiting health care providers from reporting any health care debt information to consumer reporting agencies after June 30, 2026. The bill defines key terms such as "health care debt" (an obligation related to health care services), "consumer" (an individual residing in Indiana), and "consumer reporting agency" (an entity that assembles consumer credit information). Specifically, health care providers must not report medical debt to credit reporting agencies and must include provisions in third-party contracts preventing such reporting. Consumer reporting agencies are prohibited from recording or retaining medical debt information reported after the specified date, and they must delete any medical debt records within five business days if a consumer requests removal. The bill applies to hospitals, ambulance services, and their affiliates, and violations are considered deceptive acts that can be pursued by the state's attorney general. The legislation aims to protect Indiana residents from having medical debt negatively impact their credit scores and financial opportunities.
Committee Categories
Business and Industry
Sponsors (1)
Last Action
House Financial Institutions Hearing (10:30:00 1/13/2026 Room 156-C) (on 01/13/2026)
Official Document
bill text
bill summary
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bill summary
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bill summary
| Document Type | Source Location |
|---|---|
| State Bill Page | https://iga.in.gov/legislative/2026/bills/house/1051/details |
| BillText | https://iga.in.gov/pdf-documents/124/2026/house/bills/HB1051/HB1051.01.INTR.pdf |
| Fiscal Note #1: Introduced | https://iga.in.gov/pdf-documents/124/2026/house/bills/HB1051/fiscal-notes/HB1051.01.INTR.FN001.pdf |
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