Consumer Protection for Medical Debt Collections Act

Consumer Protection for Medical Debt Collections Act This bill restricts the inclusion of medical debt on a consumer credit report. A consumer reporting agency is prohibited from including on a consumer credit report, and a person is prohibited from reporting to such agency (1) medical debt arising from a medically necessary procedure, or (2) other medical debt less than a year old. A person reporting medical debt to a consumer reporting agency must first provide notice to that consumer regarding the restrictions on including medical debt on credit reports. Furthermore, a debt collector is prohibited from collecting a medical debt less than two years old.