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Medical Debt Removed from Credit Reports

This act aims to remove medical debt information from consumer credit reports. This means unpaid medical bills will no longer impact your creditworthiness. Additionally, lenders will be prohibited from using your medical debt information when deciding whether to extend credit.
Key points
Medical debt will no longer appear on your credit reports, potentially improving your credit score.
Lenders cannot deny you credit or offer worse terms due to medical arrears.
The act defines medical debt as any obligation related to medical services, products, or devices.
article Official text account_balance Process page
Introduced
Citizen Poll
No votes cast
Additional Information
Print number: 119_HR_4827
Sponsor: Rep. Williams, Nikema [D-GA-5]
Process start date: 2025-07-29
Lustra uses Artificial Intelligence. Verify details in source documents.
Summarized by: gemini-2.5-flash
Source data: api.congress.gov
AI work logs for this document launch

OFFICIAL LEGAL TITLE

Medical Debt Relief Act of 2025

FREQUENTLY ASKED QUESTIONS

What is the official ID of this bill?

The official print number for this legislation is 119_HR_4827.

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 2025-07-29.

What are the main provisions?

Key points include:

  • Medical debt will no longer appear on your credit reports, potentially improving your credit score.
  • Lenders cannot deny you credit or offer worse terms due to medical arrears.
  • The act defines medical debt as any obligation related to medical services, products, or devices.
What is the specific legal status?

The current status is Introduced.

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. Williams, Nikema [D-GA-5].

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 2025-12-23.

CATEGORIES

Health Economy