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OregonSB 6052025 Regular SessionSenateWALLET

Relating to medical debt reporting.

Sponsored By: Nathan Sosa (Democratic), Wlnsvey Campos (Democratic)

Signed by Governor

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Bill Overview

Analyzed Economic Effects

4 provisions identified: 4 benefits, 0 costs, 0 mixed.

Medical debt stays off credit reports

No one may report medical debt owed or allegedly owed by Oregon residents to credit reporting agencies. Agencies cannot include debt they know, or reasonably should know, is medical debt. Covered debt includes medical-provider bills, debts transferred to others, and cards offered specifically for medical purchases. Even bills not yet overdue or already paid partly or fully are covered; specified cosmetic surgery is excluded. Illegal reporting is an unlawful practice, and a court may declare the debt void and uncollectible—not automatically.

Patients get medical debt interest limits

Hospitals, nonprofit hospital-affiliated clinics, and debt collectors cannot charge interest to patients meeting the law's state medical-assistance eligibility rule. For patients who do not qualify, the yearly interest cap uses the one-year Treasury yield. It uses the weekly average for the week before the first bill, with a 2% floor and 5% ceiling. After a court judgment, interest may rise to the rate allowed under Oregon's judgment-interest law.

Patients get assistance checks before collection

Hospitals and nonprofit hospital-affiliated clinics must post their financial-help policies and check patients for help before sending bills to collection. They must provide the policy and an application before collection referral. They check eligibility for hospital financial help or state medical assistance, including when patients or their authorized representatives request screening. Hospitals may require patients to help resolve insurance claims and provide information about other parties responsible for payment.

Families gain medical debt collection protections

Hospitals, nonprofit hospital-affiliated clinics, and collectors cannot pursue a patient's child or another family member who is not legally responsible. Family members who are legally responsible remain subject to collection. Collecting medical debt in violation of the medical-debt collection rules is an unlawful collection practice when collectors know of the violation. This also applies when reasonable checking would reveal it, giving patients another legal basis to challenge prohibited collection.

Sponsors & Cosponsors

Sponsors

  • Nathan Sosa

    Democratic • House

  • Wlnsvey Campos

    Democratic • Senate

Cosponsors

  • David Gomberg

    Democratic • House

  • Deb Patterson

    Democratic • Senate

  • Farrah Chaichi

    Democratic • House

  • Hai Pham

    Democratic • House

  • James Manning Jr.

    Democratic • Senate

  • Khanh Pham

    Democratic • Senate

  • Lesly Muñoz

    Democratic • House

  • Lew Frederick

    Democratic • Senate

  • Lisa Fragala

    Democratic • House

  • Sen Woods

    Affiliation unavailable

  • Thuy Tran

    Democratic • House

  • Tom Andersen

    Democratic • House

  • Travis Nelson

    Democratic • House

  • Willy Chotzen

    Democratic • House

  • Zach Hudson

    Democratic • House

Roll Call Votes

All Roll Calls

Yes: 78 • No: 45

Senate vote • 6/9/2025

Senate concurred in House amendments and repassed bill.

Yes: 18 • No: 12

House vote • 5/29/2025

Third reading. Carried by Sosa. Passed.

Yes: 34 • No: 17

House vote • 5/20/2025

Commerce and Consumer Protection: Heard and Reported Out with Amendments

Yes: 5 • No: 4

Senate vote • 4/23/2025

Third reading. Carried by Campos. Passed.

Yes: 18 • No: 10

Senate vote • 4/8/2025

Labor and Business: Heard and Reported Out with Amendments

Yes: 3 • No: 2

Actions Timeline

  1. Effective date, January 1, 2026.

    6/23/2025Senate

  2. Chapter 343, 2025 Laws.

    6/23/2025Senate

  3. Governor signed.

    6/17/2025Senate

  4. Speaker signed.

    6/11/2025House

  5. President signed.

    6/10/2025Senate

  6. Senate concurred in House amendments and repassed bill.

    6/9/2025Senate

  7. Third reading. Carried by Sosa. Passed.

    5/29/2025House

  8. Rules suspended. Carried over to May 29, 2025 Calendar.

    5/28/2025House

  9. Second reading.

    5/27/2025House

  10. Recommendation: Do pass with amendments and be printed B-Engrossed.

    5/23/2025House

  11. Work Session held.

    5/20/2025House

  12. Public Hearing held.

    5/15/2025House

  13. Public Hearing cancelled.

    5/8/2025House

  14. Referred to Commerce and Consumer Protection.

    4/24/2025House

  15. First reading. Referred to Speaker's desk.

    4/24/2025House

  16. Third reading. Carried by Campos. Passed.

    4/23/2025Senate

  17. Carried over to 04-23 by unanimous consent.

    4/22/2025Senate

  18. Second reading.

    4/21/2025Senate

  19. Subsequent referral rescinded by order of the President.

    4/18/2025Senate

  20. Recommendation: Do pass with amendments and subsequent referral to Health Care be rescinded. (Printed A-Eng.)

    4/18/2025Senate

  21. Work Session held.

    4/8/2025Senate

  22. Public Hearing held.

    3/18/2025Senate

  23. Public Hearing held.

    1/30/2025Senate

  24. Referred to Labor and Business, then Health Care.

    1/17/2025Senate

  25. Introduction and first reading. Referred to President's desk.

    1/13/2025Senate

Bill Text

  • HCCP Amendment -A9 (Adopted)

    5/20/2025

    PDF

  • HCCP Amendment -A9 (Proposed)

    5/15/2025

    PDF

  • SLB Amendment -4 (Proposed)

    4/8/2025

    PDF

  • SLB Amendment -5 (Proposed)

    4/8/2025

    PDF

  • SLB Amendment -6 (Adopted)

    4/8/2025

    PDF

  • SLB Amendment -4 (Proposed)

    4/3/2025

    PDF

  • SLB Amendment -5 (Proposed)

    4/3/2025

    PDF

  • SLB Amendment -6 (Proposed)

    4/3/2025

    PDF

  • SLB Amendment -4 (Proposed)

    4/1/2025

    PDF

  • SLB Amendment -5 (Proposed)

    4/1/2025

    PDF

  • SLB Amendment -4 (Proposed)

    3/20/2025

    PDF

  • SLB Amendment -4 (Proposed)

    3/18/2025

    PDF

  • A-Engrossed

    PDF

  • B-Engrossed

    PDF

  • Enrolled

    PDF

  • House Amendments to A-Engrossed

    PDF

  • Introduced

    PDF

  • Senate Amendments to Introduced

    PDF

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