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Medical Debt Relief: No More Medical Debts on Credit Reports

This act aims to remove medical debt information from consumer credit reports. This means unpaid medical bills will no longer impact credit scores, making it easier for individuals to obtain loans or credit. Additionally, lenders will be prohibited from using medical debt information when making credit decisions.
Key points
Medical debts will no longer appear on credit reports, improving credit histories for many.
Lenders will be prohibited from considering medical debt when evaluating credit applications.
The changes aim to improve access to credit for individuals with outstanding medical bills.
article Official text account_balance Process page
Introduced
Citizen Poll
No votes cast
Additional Information
Print number: 119_S_2519
Sponsor: Sen. Merkley, Jeff [D-OR]
Process start date: 2025-07-29
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Summarized by: gemini-2.5-flash-preview-05-20
Source data: api.congress.gov
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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_S_2519.

Which chamber initiated this legislation?

This legislation was initiated in the Senate.

When did the legislative process begin?

The process officially started on 2025-07-29.

What are the main provisions?

Key points include:

  • Medical debts will no longer appear on credit reports, improving credit histories for many.
  • Lenders will be prohibited from considering medical debt when evaluating credit applications.
  • The changes aim to improve access to credit for individuals with outstanding medical bills.
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 Sen. Merkley, Jeff [D-OR].

What is the latest detailed status?

The latest detailed status is: Introduced in Senate

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