ConnecticutHB 051272026 Regular SessionHouseWALLET

AN ACT CONCERNING CREDIT CARDS AND HEALTH AND VETERINARY CARE SERVICES.

Sponsored By: General Law Committee

Signed by Governor

Summary

To (1) provide that no health or veterinary care provider shall (A) advertise, market, solicit, promote or offer a medical credit card to a consumer, (B) receive any financial incentive or compensation in exchange for advertising, marketing, soliciting, promoting or offering a medical credit card to a consumer, (C) assist a consumer in acquiring a medical credit card, or (D) charge a medical credit card for (i) any health care or veterinary service before such service is provided to a patient or animal, or (ii) any ancillary product unless a consumer separately consents to purchase such product, (2) require a health or veterinary care provider to make certain disclosures concerning a medical credit card in response to a consumer's request for financial information concerning a medical credit card, and (3) require a health or veterinary care provider to accept, and provide a full refund for, certain returned ancillary products.

general law

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Bill Overview

Analyzed Economic Effects

2 provisions identified: 1 benefits, 0 costs, 1 mixed.

Refunds and safeguards for financed add-ons

Starting January 1, 2027, a provider cannot charge your third-party financing account for care before providing it, except for costs the provider has already incurred. For an extra product charged to that account, you must get a receipt naming the product and its cost or separately agree in writing; this rule does not cover animal food. You can return an extra product bought from the provider with third-party financing within 30 days of the sale for a full refund. The provider does not have to accept a product customized so another person or animal cannot use it, or one that was used, damaged, tampered with, or stored against the maker’s instructions in a way that may have compromised it.

Less credit marketing at care visits

Starting January 1, 2027, health and veterinary providers cannot promote third-party financing with their branding or while you are sedated, receiving care, or in a care area. A care area rule does not apply when there is no separate area for marketing; a vet need not move an animal if the provider judges that moving it could cause harm. Providers cannot receive payment for promoting third-party financing or complete or submit your application; you must handle those steps yourself. When a provider discusses financing terms, you must receive and sign a notice in at least 14-point type and your primary language. It explains that the financing is a lender’s loan or credit line, covers other payment and insurance options and credit risks, and warns about interest, fees, missed payments, credit damage, and possible legal action. No notice is required when the provider only says it accepts the financing as payment. These rules do not cover loans or credit lines where the provider is the lender.

Sponsors & Cosponsors

Sponsor

  • General Law Committee

    Affiliation unavailable

Cosponsors

  • Amy Morrin Bello

    Democratic • House

  • Andre F. Baker

    Democratic • House

  • David DeFronzo

    Democratic • House

  • David Rutigliano

    Republican • House

  • Derek Slap

    Democratic • Senate

  • Frank Smith

    Democratic • House

  • Gary A. Turco

    Democratic • House

  • Iris N Sanchez

    Democratic • House

  • James J. Maroney

    Democratic • Senate

  • Jillian Gilchrest

    Democratic • House

  • John-Michael Parker

    Democratic • House

  • Josh Elliott

    Democratic • House

  • Kaitlyn Shake

    Democratic • House

  • Kara Rochelle

    Democratic • House

  • Kate Farrar

    Democratic • House

  • Kenneth Gucker

    Democratic • House

  • Laurie Sweet

    Democratic • House

  • Lucy Dathan

    Democratic • House

  • Martha Marx

    Democratic • Senate

  • Mary Fortier

    Democratic • House

  • Matthew L. Lesser

    Democratic • Senate

  • Michael D. Quinn

    Democratic • House

  • Nicholas Menapace

    Democratic • House

  • Nick Gauthier

    Democratic • House

  • Patricia Billie Miller

    Democratic • Senate

  • Rebecca Martinez

    Democratic • House

  • Rick Lopes

    Democratic • Senate

  • Roland J. Lemar

    Democratic • House

  • Saud Anwar

    Democratic • Senate

  • William Heffernan

    Democratic • House

  • William Pizzuto

    Republican • House

Roll Call Votes

All Roll Calls

Yes: 0 • No: 0

Senate vote • 3/11/2026

Senate Roll Call Vote 217

Yes: 0 • No: 0

House vote • 3/11/2026

House Roll Call Vote 92 AS AMENDED

Yes: 0 • No: 0

House vote • 3/11/2026

GL Vote Tally Sheet (Joint Favorable Substitute)

Yes: 0 • No: 0

Bill Text

  • Public Act No. 26-6

    5/4/2026

  • File No. 721

    4/27/2026

  • File No. 232

    3/30/2026

  • GL Joint Favorable Substitute

    3/11/2026

  • Raised Bill

    2/10/2026

  • Bill Analysis For File Copy 232

  • Bill Analysis For File Copy 721

  • Bill Analysis for HB-5127, as amended by House "A"

  • Fiscal Note For File Copy 232

  • Fiscal Note For File Copy 721

  • Fiscal Note for Amendment LCO 4175 (No Fiscal Impact)

  • Fiscal Note for HB-5127, As Amended by House "A" (LCO 4175)

  • GL Joint Fav. Rpt

  • GL Vote Tally Sheet (Joint Favorable Substitute)

  • House Roll Call Vote 92 AS AMENDED

  • House Schedule A LCO# 4175 (D)

  • Senate Roll Call Vote 217

  • Summary for Public Act No. 26-6

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