# Indiana HB 1051: Exclusion of medical debt from credit scoring.

Indiana HB 1051, Exclusion of medical debt from credit scoring., is a Second Regular Session 124th General Assembly (2026) House bill sponsored by Vanessa Summers (Democratic); status failed, last action 2025-12-05 (Authored by Representative Summers) (as of 2026-11-01).

- Canonical: https://policyrisk.com/state-bill/IN-HB1051-2026
- As of: 2026-11-01
- Plain-text twin of the page above; the HTML and this file carry the same facts.

## Facts
- Bill: Indiana HB 1051
- State: Indiana
- Session: Second Regular Session 124th General Assembly (2026)
- Title: Exclusion of medical debt from credit scoring.
- Status: failed
- Chamber: House
- Introduced: 2025-12-05
- Last action: 2025-12-05, Authored by Representative Summers
- Sponsor: Vanessa Summers (Democratic)
- Cosponsors: 0
- Subjects: financial institutions
- Touches household money: no
- Economic provisions PRIA read: 0

## Summary

Prohibits a health care provider from reporting or furnishing to a consumer reporting agency any information related to health care debt owed or alleged to be owed by a consumer who resides in Indiana. Requires a health care provider to include in any contract entered into with a third party furnisher a provision that prohibits the reporting or furnishing to a consumer reporting agency any information related to health care debt owed or alleged to be owed by a consumer, including information concerning any delinquent account action taken with respect to health care debt. Prohibits a consumer reporting agency from recording or retaining in the file of a consumer any information that is: (1) related to health care debt incurred or alleged to be incurred by the consumer; and (2) reported to the consumer reporting agency after June 30, 2026. Provides that if a consumer reporting agency receives a request from a consumer to delete any record of health care debt maintained in the file of the consumer, the consumer reporting agency shall, not later than five business days after receiving the request, take all lawful and reasonable actions to delete from the consumer's file the record of the health care debt, regardless of when the health care debt was reported to the consumer reporting agency. Provides that a person who violates the provisions of this act commits a deceptive act.

## Bill overview

No economic impacts identified for this bill.

## Sponsors and cosponsors

- Sponsor: Vanessa Summers (Democratic), House

## Actions (2)

- 2025-12-05: Authored by Representative Summers (House)
- 2025-12-05: First reading: referred to Committee on Financial Institutions (House)

## Bill text

- Introduced House Bill (H): [PDF](https://api.iga.in.gov/2026/bills/HB1051/versions/HB1051.01.INTR?format=pdf)

## Related bills

- HB 1277: Health and human services matters. (signed)
- HB 1266: Department of education and education matters. (signed)
- HB 1210: Department of local government finance. (signed)
- HB 1249: Various criminal law matters. (signed)
- HB 1200: Bureau of motor vehicles. (signed)
- HB 1115: Homeowners association governance. (signed)

## Sources
- [Introduced House Bill (H) (PDF)](https://api.iga.in.gov/2026/bills/HB1051/versions/HB1051.01.INTR?format=pdf)

## Related
- [HB 1277: Health and human services matters.](https://policyrisk.com/state-bill/IN-HB1277-2026)
- [HB 1266: Department of education and education matters.](https://policyrisk.com/state-bill/IN-HB1266-2026)
- [HB 1210: Department of local government finance.](https://policyrisk.com/state-bill/IN-HB1210-2026)
- [HB 1249: Various criminal law matters.](https://policyrisk.com/state-bill/IN-HB1249-2026)
- [HB 1200: Bureau of motor vehicles.](https://policyrisk.com/state-bill/IN-HB1200-2026)
- [HB 1115: Homeowners association governance.](https://policyrisk.com/state-bill/IN-HB1115-2026)
- [Indiana bills](https://policyrisk.com/states/indiana/bills)
- [Indiana state hub](https://policyrisk.com/states/indiana)
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Source: PRIA, https://policyrisk.com/state-bill/IN-HB1051-2026 (as of 2026-11-01).