# Virginia HB1725: Medical Debt Protection Act; created, prohibited practices, penalties. Virginia HB1725, Medical Debt Protection Act; created, prohibited practices, penalties., is a 2025 Regular Session House bill sponsored by Karrie K. Delaney (Democratic); status to governor, last action 2025-05-02 (Acts of Assembly Chapter text (CHAP0692)) (as of 2026-10-17). - Canonical: https://policyrisk.com/state-bill/VA-HB1725-2025 - As of: 2026-10-17 - Plain-text twin of the page above; the HTML and this file carry the same facts. ## Facts - Bill: Virginia HB1725 - State: Virginia - Session: 2025 Regular Session - Title: Medical Debt Protection Act; created, prohibited practices, penalties. - Status: to governor - Chamber: House - Introduced: 2025-01-04 - Last action: 2025-05-02, Acts of Assembly Chapter text (CHAP0692) - Sponsor: Karrie K. Delaney (Democratic) - Cosponsors: 0 - Touches household money: no - Roll calls: 9 (283 yes, 226 no in all) - Economic provisions PRIA read: 0 ## Summary Medical Debt Protection Act; prohibited practices; penalties. Creates the Medical Debt Protection Act to prohibit a large health care facility or medical debt buyer, as those terms are defined in the bill, from using certain extraordinary collection actions to collect medical debt or from charging interest or late fees on medical debt until 90 days following the due date applicable to the final invoice. The bill specifies that no such interest or late fees shall exceed three percent of the amount of such medical debt per annum. The bill provides that a violation of its provisions constitutes a prohibited practice under the Virginia Consumer Protection Act. The bill has a delayed effective date of July 1, 2026. ## Bill overview No economic impacts identified for this bill. ## Sponsors and cosponsors - Sponsor: Karrie K. Delaney (Democratic), House ## Roll call votes | Date | Chamber | Motion | Result | Yes | No | Other | | --- | --- | --- | --- | --- | --- | --- | | 2025-04-02 | House | Motion to pass in enrolled form rejected | pass | 51 | 45 | | | 2025-04-02 | House | House rejected Governor's recommendation | fail | 33 | 63 | | | 2025-02-20 | House | Senate substitute agreed to by House | pass | 53 | 44 | | | 2025-02-19 | Senate | Passed Senate with substitute | pass | 27 | 13 | | | 2025-02-18 | Senate | Constitutional reading dispensed Block Vote (on 2nd reading) | pass | 40 | 0 | | | 2025-02-17 | Senate | Reported from Commerce and Labor with substitute | pass | 13 | 2 | | | 2025-01-29 | House | Read third time and passed House | pass | 49 | 46 | | | 2025-01-23 | House | Reported from Labor and Commerce with substitute | pass | 12 | 10 | | | 2025-01-16 | House | Subcommittee recommends reporting with substitute | pass | 5 | 3 | 1 | ## Actions (43) - 2025-05-02: Acts of Assembly Chapter text (CHAP0692) (Governor) - 2025-05-02: Approved by Governor-Chapter 692 (Effective 07/01/26) (Governor) - 2025-04-02: Governor's Action Deadline 11:59 p.m., May 2, 2025 (Governor) - 2025-04-02: Communicated to Governor (House) - 2025-04-02: Motion to pass in enrolled form rejected (51-Y 45-N) (House) - 2025-04-02: House rejected Governor's recommendation (33-Y 63-N) (House) - 2025-03-24: Governor's recommendation received by House (Governor) - 2025-03-24: Governor's substitute printed (HB1725H2) (House) - 2025-03-11: Governor's Action Deadline 11:59 p.m., March 24, 2025 (Governor) - 2025-03-11: Enrolled Bill communicated to Governor on March 11, 2025 (House) - 2025-03-10: Signed by President (Senate) - 2025-03-07: Fiscal Impact Statement from Department of Planning and Budget (HB1725) (House) - 2025-03-07: Bill text as passed House and Senate (HB1725ER) (House) - 2025-03-07: Enrolled (House) - 2025-03-07: Signed by Speaker (House) - 2025-02-20: Senate substitute agreed to by House (53-Y 44-N) (House) - 2025-02-19: Passed Senate with substitute (27-Y 13-N) (Senate) - 2025-02-19: Engrossed by Senate - committee substitute (Senate) - 2025-02-19: Commerce and Labor Substitute agreed to (Senate) - 2025-02-19: Read third time (Senate) - 2025-02-19: Reading of substitute waived (Senate) - 2025-02-18: Fiscal Impact Statement from Department of Planning and Budget (HB1725) (House) - 2025-02-18: Constitutional reading dispensed Block Vote (on 2nd reading) (40-Y 0-N) (Senate) - 2025-02-18: Passed by for the day (Senate) - 2025-02-18: Rules suspended (Senate) - 2025-02-17: Reported from Commerce and Labor with substitute (13-Y 2-N) (Senate) - 2025-02-17: Committee substitute printed 25107566D-S1 (Senate) - 2025-01-30: Referred to Committee on Commerce and Labor (Senate) - 2025-01-30: Constitutional reading dispensed (on 1st reading) (Senate) - 2025-01-29: Read third time and passed House (49-Y 46-N) (House) - 2025-01-28: Engrossed by House - committee substitute (House) - 2025-01-28: Labor and Commerce Substitute agreed to (House) - 2025-01-28: Read second time (House) - 2025-01-27: Fiscal Impact Statement from Department of Planning and Budget (HB1725) (House) - 2025-01-27: Read first time (House) - 2025-01-23: Reported from Labor and Commerce with substitute (12-Y 10-N) (House) - 2025-01-23: Committee substitute printed 25105874D-H1 (House) - 2025-01-16: Subcommittee recommends reporting with substitute (5-Y 3-N) (House) - 2025-01-16: Committee substitute printed 25104995D (House) - 2025-01-10: Fiscal Impact Statement from Department of Planning and Budget (HB1725) (House) - 2025-01-10: Assigned L & C sub: Subcommittee #2 (House) - 2025-01-04: Referred to Committee on Labor and Commerce (House) - 2025-01-04: Prefiled and ordered printed; Offered 01-08-2025 25102212D (House) ## Bill text - Chaptered, 2025-05-02: [HTML](https://lis.blob.core.windows.net/files/1079916.HTML), [PDF](https://lis.blob.core.windows.net/files/1079915.PDF) - Substitute, 2025-03-25: [HTML](https://lis.blob.core.windows.net/files/1074558.HTML), [PDF](https://lis.blob.core.windows.net/files/1074557.PDF) - Gov Recommendation, 2025-03-24: [HTML](https://lis.blob.core.windows.net/files/1073547.HTML) - Enrolled, 2025-03-07: [HTML](https://lis.blob.core.windows.net/files/1066868.HTML), [PDF](https://lis.blob.core.windows.net/files/1066867.PDF) - Substitute, 2025-02-18: [HTML](https://lis.blob.core.windows.net/files/1057136.HTML), [PDF](https://lis.blob.core.windows.net/files/1057135.PDF) - Substitute, 2025-02-17: [HTML](https://lis.blob.core.windows.net/files/1056801.HTML), [PDF](https://lis.blob.core.windows.net/files/1056800.PDF) - Substitute, 2025-01-24: [HTML](https://lis.blob.core.windows.net/files/1027723.HTML), [PDF](https://lis.blob.core.windows.net/files/1027722.PDF) - Substitute, 2025-01-16: [HTML](https://lis.blob.core.windows.net/files/1021612.HTML), [PDF](https://lis.blob.core.windows.net/files/1021611.PDF) - Introduced, 2025-01-04: [HTML](https://lis.blob.core.windows.net/files/1012908.HTML), [PDF](https://lis.blob.core.windows.net/files/1012907.PDF) ## Related bills - HR671: Commending JR's Auto Care. (adopted) - SB941: Robbery; use of air or gas operated weapon, etc., penalty. (failed) - HB1746: Public safety officer; definition. (failed) - HB1600: Budget Bill. (failed) - SB1449: Data centers; site assessment for high energy use facility. (failed) - HB1609: Essential health benefits benchmark plan; Commission to consider coverage for infertility treatment. (to governor) ## Sources - [Chaptered (HTML)](https://lis.blob.core.windows.net/files/1079916.HTML) - [Chaptered (PDF)](https://lis.blob.core.windows.net/files/1079915.PDF) - [Substitute (HTML)](https://lis.blob.core.windows.net/files/1074558.HTML) - [Substitute (PDF)](https://lis.blob.core.windows.net/files/1074557.PDF) - [Gov Recommendation (HTML)](https://lis.blob.core.windows.net/files/1073547.HTML) - [Enrolled (HTML)](https://lis.blob.core.windows.net/files/1066868.HTML) - [Enrolled (PDF)](https://lis.blob.core.windows.net/files/1066867.PDF) - [Substitute (HTML)](https://lis.blob.core.windows.net/files/1057136.HTML) - [Substitute (PDF)](https://lis.blob.core.windows.net/files/1057135.PDF) - [Substitute (HTML)](https://lis.blob.core.windows.net/files/1056801.HTML) - [Substitute (PDF)](https://lis.blob.core.windows.net/files/1056800.PDF) - [Substitute (HTML)](https://lis.blob.core.windows.net/files/1027723.HTML) - [Substitute (PDF)](https://lis.blob.core.windows.net/files/1027722.PDF) - [Substitute (HTML)](https://lis.blob.core.windows.net/files/1021612.HTML) - [Substitute (PDF)](https://lis.blob.core.windows.net/files/1021611.PDF) - [Introduced (HTML)](https://lis.blob.core.windows.net/files/1012908.HTML) - [Introduced (PDF)](https://lis.blob.core.windows.net/files/1012907.PDF) ## Related - [HR671: Commending JR's Auto Care.](https://policyrisk.com/state-bill/VA-HR671-2025) - [SB941: Robbery; use of air or gas operated weapon, etc., penalty.](https://policyrisk.com/state-bill/VA-SB941-2025) - [HB1746: Public safety officer; definition.](https://policyrisk.com/state-bill/VA-HB1746-2025) - [HB1600: Budget Bill.](https://policyrisk.com/state-bill/VA-HB1600-2025) - [SB1449: Data centers; site assessment for high energy use facility.](https://policyrisk.com/state-bill/VA-SB1449-2025) - [HB1609: Essential health benefits benchmark plan; Commission to consider coverage for i…](https://policyrisk.com/state-bill/VA-HB1609-2025) - [Virginia bills](https://policyrisk.com/states/virginia/bills) - [Virginia state hub](https://policyrisk.com/states/virginia) - [All state legislation](https://policyrisk.com/state-bills) Source: PRIA, https://policyrisk.com/state-bill/VA-HB1725-2025 (as of 2026-10-17).