This legislation, titled the Medical Debt Relief Act of 2025, seeks to significantly alter how medical debt is treated in consumer credit reporting. It amends the Fair Credit Reporting Act (FCRA) to explicitly prohibit the inclusion of any adverse information related to medical debt on a consumer report, including debts placed for collection or charged to profit or loss. The bill defines "medical debt" as any debt arising from medical services, products, or devices. Furthermore, it mandates the Director of the Bureau of Consumer Financial Protection (BCFP) to amend existing regulations within one year. These amendments will ensure that creditors are prohibited from obtaining or using a consumer's medical debt information when determining whether to extend credit.