# 119-hr-4827: Medical Debt Relief Act of 2025

119-hr-4827, Medical Debt Relief Act of 2025, is a 119th Congress bill sponsored by Rep. Williams, Nikema [D-GA-5] (D-GA); status introduced; PRIA reads it as touching household money (as of 2026-07-25).

- Canonical: https://policyrisk.com/legislation/119-hr-4827
- As of: 2026-07-25
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: 119-hr-4827
- Congress: 119
- Title: Medical Debt Relief Act of 2025
- Status: introduced
- Introduced: 2025-07-29
- Sponsor: Rep. Williams, Nikema [D-GA-5] (D-GA)
- Cosponsors: 17
- Policy area: Finance and Financial Sector
- Touches household money: yes
- Last recorded action: 2026-07-25

## Summary

**Exclude medical debt from consumer credit reports.** This bill would amend the Fair Credit Reporting Act to bar reporting of medical debts and require the Bureau of Consumer Financial Protection to ban creditors from using medical-debt information when making credit decisions. - Families and consumers: Medical debt tied to services, products, or devices would be defined and could not appear on consumer reports, even if placed for collection or charged off. - Creditors and people applying for credit: Creditors would be prohibited from obtaining or using a consumer's medical-debt information when deciding to extend credit and the CFPB would have to update its regulation within 1 year. - Credit reporting agencies and regulators: FCRA language and cross-references would be changed so adverse medical information is excluded and related definitions are revised.

## Cosponsors (17)

- Rep. Correa, J. Luis [D-CA-46] (D-CA), 2025-07-29T00:00:00.000Z
- Rep. Krishnamoorthi, Raja [D-IL-8] (D-IL), 2025-07-29T00:00:00.000Z
- Rep. Scanlon, Mary Gay [D-PA-5] (D-PA), 2025-07-29T00:00:00.000Z
- Rep. Kennedy, Timothy M. [D-NY-26] (D-NY), 2025-07-29T00:00:00.000Z
- Rep. García, Jesús G. "Chuy" [D-IL-4] (D-IL), 2025-07-29T00:00:00.000Z
- Rep. Thompson, Bennie G. [D-MS-2] (D-MS), 2025-07-29T00:00:00.000Z
- Rep. Pocan, Mark [D-WI-2] (D-WI), 2025-07-29T00:00:00.000Z
- Rep. Mullin, Kevin [D-CA-15] (D-CA), 2025-07-29T00:00:00.000Z
- Rep. Thanedar, Shri [D-MI-13] (D-MI), 2025-07-29T00:00:00.000Z
- Rep. Tlaib, Rashida [D-MI-12] (D-MI), 2025-08-08T00:00:00.000Z
- Rep. Jackson, Jonathan L. [D-IL-1] (D-IL), 2025-08-08T00:00:00.000Z
- Rep. Ocasio-Cortez, Alexandria [D-NY-14] (D-NY), 2025-08-08T00:00:00.000Z
- Rep. Larson, John B. [D-CT-1] (D-CT), 2025-08-29T00:00:00.000Z
- Rep. Latimer, George [D-NY-16] (D-NY), 2025-09-19T00:00:00.000Z
- Rep. Magaziner, Seth [D-RI-2] (D-RI), 2025-11-07T00:00:00.000Z
- Rep. Nadler, Jerrold [D-NY-12] (D-NY), 2025-11-18T00:00:00.000Z
- Rep. Lee, Summer L. [D-PA-12] (D-PA), 2026-03-04T00:00:00.000Z

## Provisions PRIA read

- Stop medical debt on credit reports: benefit, medium. If enacted, the bill would add a definition of "medical debt" tied to medical services, products, or devices. It would bar consumer reporting agencies from including any adverse medical-debt information in credit reports, including debts sent to collections or charged off. That exclusion would take…

## Related bills

- 119-hr-7973: Momnibus Act
- 119-hr-9877: Health Equity and Accountability Act of 2026
- 119-hr-51: Washington, D.C. Admission Act
- 119-hr-7977: Energy Bills Relief Act
- 119-hr-15: Equality Act
- 119-hr-1589: American Dream and Promise Act of 2025

## Sources
- [119-hr-4827 on Congress.gov](https://www.congress.gov/bill/119th-congress/house-bill/4827)

## Related
- [119-hr-7973: Momnibus Act](https://policyrisk.com/legislation/119-hr-7973)
- [119-hr-9877: Health Equity and Accountability Act of 2026](https://policyrisk.com/legislation/119-hr-9877)
- [119-hr-51: Washington, D.C. Admission Act](https://policyrisk.com/legislation/119-hr-51)
- [119-hr-7977: Energy Bills Relief Act](https://policyrisk.com/legislation/119-hr-7977)
- [119-hr-15: Equality Act](https://policyrisk.com/legislation/119-hr-15)
- [119-hr-1589: American Dream and Promise Act of 2025](https://policyrisk.com/legislation/119-hr-1589)
- [All bills in Congress](https://policyrisk.com/legislation)

Source: PRIA, https://policyrisk.com/legislation/119-hr-4827 (as of 2026-07-25).