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MaineLD 558132nd Maine Legislature (2025-2026)SenateWALLET

An Act to Strengthen Consumer Protections by Prohibiting the Report of Medical Debt on Consumer Reports

Sponsored By: Donna Bailey (Democratic)

Became Law

FINANCIAL PRACTICESFINANCIAL PRACTICES - DEBT COLLECTION

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Bill Overview

Analyzed Economic Effects

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

Stronger credit rules for medical bills

Medical debt does not appear on your credit report for 180 days after your first missed payment. During that time, medical providers, collectors, and debt buyers cannot report it. If you show proof the bill was paid or settled in full, credit bureaus must remove or stop reporting it. If you are on an agreed payment plan and paying on time, it is reported like other credit accounts. Missed payments are reported the same way as other loans.

Sponsors & Cosponsors

Sponsor

  • Donna Bailey

    Democratic • Senate

Cosponsors

  • Cameron D. Reny

    Democratic • Senate

  • Craig V. Hickman

    Democratic • Senate

  • Kristi Mathieson

    Democratic • House

  • Matthea E. L. Daughtry

    Democratic • Senate

  • Mike Tipping

    Democratic • Senate

Roll Call Votes

No roll call votes available for this bill.

Actions Timeline

  1. ACTPUB Chapter 201

    5/1/2026

  2. PASSED TO BE ENACTED, in concurrence.

    6/2/2025Senate

  3. PASSED TO BE ENACTED. Sent for concurrence. ORDERED SENT FORTHWITH.

    6/2/2025House

  4. CONSENT CALENDAR - FIRST DAYUnder suspension of the rules CONSENT CALENDAR - SECOND DAY.The Bill was PASSED TO BE ENGROSSED as Amended by Committee Amendment "A" (S-151).In concurrence. ORDERED SENT FORTHWITH.

    5/29/2025House

  5. Report READ and ACCEPTED.READ ONCE.Committee Amendment "A" (S-151) READ and ADOPTED.Under suspension of the Rules, READ A SECOND TIME and PASSED TO BE ENGROSSED AS AMENDED BY Committee Amendment "A" (S-151).Ordered sent down forthwith for concurrence.

    5/28/2025Senate

  6. CARRIED OVER, in the same posture, to the next special or regular session of the 132nd Legislature, pursuant to Joint Order SP 519.

    3/21/2025Senate

  7. Received by the Secretary of the Senate on February 19, 2025 and REFERRED to the Committee on HEALTH COVERAGE, INSURANCE AND FINANCIAL SERVICES pursuant to Joint Rule 308.2

    2/19/2025Senate

Bill Text

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