summary
Introduced
02/03/2026
02/03/2026
In Committee
02/17/2026
02/17/2026
Crossed Over
Passed
Dead
Introduced Session
104th General Assembly
Bill Summary
Amends the Consumer Fraud and Deceptive Business Practices Act. In provisions concerning medical debt, provides that it is an unlawful practice within the meaning of the Act for any person: (1) to use a medical debt listed on a consumer credit report as a negative or adverse factor when making a credit decision; or (2) to furnish information regarding a medical debt to a consumer reporting agency. Provides that a medical debt is void and unenforceable if a person to whom a medical debt is owed or an agent of that person knowingly furnishes information regarding the medical debt to a consumer reporting agency.
AI Summary
This bill amends the Consumer Fraud and Deceptive Business Practices Act to protect consumers from negative impacts of medical debt on their credit. Specifically, it makes it an unlawful practice for any person to consider a medical debt listed on a consumer credit report as a negative factor when making a credit decision, or to report information about a medical debt to a consumer reporting agency, which is an entity that collects and provides credit information. Furthermore, if a creditor or their agent knowingly reports medical debt information to a consumer reporting agency, that medical debt becomes void and unenforceable, meaning the consumer would no longer be legally obligated to pay it. This aims to prevent medical bills from unfairly harming an individual's creditworthiness.
Committee Categories
Justice
Sponsors (1)
Last Action
Senate Judiciary Committee Hearing (15:30:00 2/25/2026 Room 400) (on 02/25/2026)
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