Federal RuleAug 21
62
DOL Rewrites Disability Rules for 'Merit-Based Opportunity' Push
RuleLabor DepartmentFederal Contract Compliance Programs OfficeSignificant Wallet
HR4827119th CongressWALLET
Medical Debt Relief Act of 2025
Sponsored By: Representative Williams, Nikema [D-GA-5]
Introduced
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.
Show full summary
- 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.
Personalized for You
How does this bill affect your finances?
Personalize government policy and PRIA will tell you what this bill means for your household, plus every other piece of legislation we track. PRIA reads each provision against your financial profile to show you exactly what matters to your wallet.
Bill Overview
Analyzed Economic Effects
1 provisions identified: 1 benefits, 0 costs, 0 mixed.
Stop medical debt on credit reports
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 effect upon enactment. The bill would also require the Consumer Financial Protection Bureau to amend its rule within one year so creditors cannot obtain or use a consumer's medical debt when deciding to extend credit, using the Equal Credit Opportunity Act terms for "credit" and "creditor."
Sponsors & CoSponsors
Sponsor
Williams, Nikema [D-GA-5]
GA • D
Cosponsors
Rep. Correa, J. Luis [D-CA-46]
CA • D
Sponsored 7/29/2025
Rep. Krishnamoorthi, Raja [D-IL-8]
IL • D
Sponsored 7/29/2025
Rep. Scanlon, Mary Gay [D-PA-5]
PA • D
Sponsored 7/29/2025
Rep. Kennedy, Timothy M. [D-NY-26]
NY • D
Sponsored 7/29/2025
Rep. García, Jesús G. "Chuy" [D-IL-4]
IL • D
Sponsored 7/29/2025
Rep. Thompson, Bennie G. [D-MS-2]
MS • D
Sponsored 7/29/2025
Rep. Pocan, Mark [D-WI-2]
WI • D
Sponsored 7/29/2025
Rep. Mullin, Kevin [D-CA-15]
CA • D
Sponsored 7/29/2025
Rep. Thanedar, Shri [D-MI-13]
MI • D
Sponsored 7/29/2025
Rep. Tlaib, Rashida [D-MI-12]
MI • D
Sponsored 8/8/2025
Rep. Jackson, Jonathan L. [D-IL-1]
IL • D
Sponsored 8/8/2025
Rep. Ocasio-Cortez, Alexandria [D-NY-14]
NY • D
Sponsored 8/8/2025
Rep. Larson, John B. [D-CT-1]
CT • D
Sponsored 8/29/2025
Rep. Latimer, George [D-NY-16]
NY • D
Sponsored 9/19/2025
Rep. Magaziner, Seth [D-RI-2]
RI • D
Sponsored 11/7/2025
Rep. Nadler, Jerrold [D-NY-12]
NY • D
Sponsored 11/18/2025
Rep. Lee, Summer L. [D-PA-12]
PA • D
Sponsored 3/4/2026
Roll Call Votes
No roll call votes available for this bill.
View on Congress.gov