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Medical Debt Protection: New Rules for Collections and Reporting

This act introduces significant changes regarding medical debts. It limits when collection agencies can begin collecting medical debts and when such debts can appear on credit reports. This aims to protect citizens from negative financial consequences related to healthcare costs.
Key points
Debt collectors can only begin collecting medical debts 2 years after the payment due date.
Debts for medically necessary procedures cannot be included in consumer credit reports at all.
Other medical debts can only appear on a credit report after 365 days from their origin or notification.
If a medical debt is settled or paid by the consumer or insurer within 365 days, it cannot be reported to credit bureaus.
Before reporting a medical debt, the furnisher must send a statement outlining reporting rules and financial assistance options.
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Status:
Expired
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Additional Information
Print number: 118_HR_1773
Sponsor: Rep. Tlaib, Rashida [D-MI-12]
Process start date: 2023-03-23
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
AI work logs for this document launch

OFFICIAL LEGAL TITLE

Consumer Protection for Medical Debt Collections Act

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 118_HR_1773.

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 2023-03-23.

What are the main provisions?

Key points include:

  • Debt collectors can only begin collecting medical debts 2 years after the payment due date.
  • Debts for medically necessary procedures cannot be included in consumer credit reports at all.
  • Other medical debts can only appear on a credit report after 365 days from their origin or notification.
  • If a medical debt is settled or paid by the consumer or insurer within 365 days, it cannot be reported to credit bureaus.
  • Before reporting a medical debt, the furnisher must send a statement outlining reporting rules and financial assistance options.
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. Tlaib, Rashida [D-MI-12].

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 2025-12-24.

What is the impact of this bill?

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.

CATEGORIES

Health Courts and Law Economy