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Medical Debt Relief: Protecting Credit Reports

This act introduces changes to protect citizens from the negative impact of medical debt on their credit history. It provides more time to resolve medical bills before they appear on a credit report and removes paid-off medical debts from credit reports.
Key points
Medical bills will only appear on a credit report after one year from their origin, allowing time for resolution.
Fully paid or settled medical debts will be removed from credit reports within 45 days of payment or settlement.
Before a medical debt is reported to a credit bureau, you will receive a notice about the one-year protection period and options for resolving the debt.
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Status:
Expired
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Additional Information
Medical Debt Relief Act of 2021
Print number: HR 773
Sponsor: Rep. Porter, Katie [D-CA-45]
Process start date: 2021-02-03
System Note: Lustra is free, publicly auditable civic infrastructure, with full source code available on GitHub. You are reading sterilized legislative data, processed by our radical neutrality engine to strip political spin and retain factual mechanics. We process only official government data. Original documents remain the authoritative source, always verify them if you can.
Summarized by: gemini-2.5-flash-preview-05-20
Source data: api.congress.gov
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Summary & Status

Key Questions about Medical Debt Relief: Protecting Credit Reports

A structured overview of the legislative process, official sources, status and civic context.

What is the official ID of this bill?

The official print number for this legislation is HR 773.

Which chamber initiated this legislation?

This legislation was initiated in the House of Representatives.

When did the legislative process begin?

The process officially started on 2021-02-03.

What are the main provisions?

Key points include:

  • Medical bills will only appear on a credit report after one year from their origin, allowing time for resolution.
  • Fully paid or settled medical debts will be removed from credit reports within 45 days of payment or settlement.
  • Before a medical debt is reported to a credit bureau, you will receive a notice about the one-year protection period and options for resolving the debt.

What is the specific legal status?

The current status is Expired.

Where can I read the full text of this legislation?

The full official text is available at: View full text

Who is the primary sponsor?

The primary sponsor is Rep. Porter, Katie [D-CA-45].

What is the latest detailed status?

The latest detailed status is: Referred to the House Committee on Financial Services.

Is this summary verified?

Yes. This content was analyzed by AI and verified by the Lustra Judge System on 2025-12-28.

Analysis and Potential Impact of HR 773

We don't know, that is up to you to decide. Summarizing raw data with AI is fundamentally different from predicting socio-economic outcomes. As of 2026, we believe impact assessment strictly requires a human in the loop to verify and judge. Review our public AI processing logs for full transparency, and use Lustra to track active legislation for instant status push notifications.

CATEGORIES

Health Economy