Medical Debt Relief Act of 2019
Date: May 21, 2019 Official Title: To amend the Fair Credit Reporting Act to institute a 1-year waiting period before medical debt will be reported on a consumer's credit report and to remove paid-off and settled medical debts from credit reports that have been fully paid or settled, to amend the Fair Debt Collection Practices Act to provide a timetable for verification of medical debt and to increase the efficiency of credit markets with more perfect information, and for other purposes.Short title This Act may be cited as the "Medical Debt Relief Act of 2019".Medical debt defined Section 603 of the Fair Credit Reporting Act () is amended by adding at the end the following:
Medical debt The term means a debt described in section 604(g)(1)(C). .Exclusion for paid or settled medical debt Section 605(a) of the Fair Credit Reporting Act () is amended by adding at the end the following:
(9) Any information relating to a medical debt if the date on which the debt was placed for collection, charged to profit or loss, or subjected to any similar action antedates the report by less than 1 year.
(10) Any information relating to a fully paid or settled medical debt that had been characterized as delinquent, charged off, or in collection which, from the date of payment or settlement, antedates the report by more than 45 days. .In general Section 809 of the Fair Debt Collection Practices Act () is amended by adding at the end the following:
* (A) **Consumer reporting agency** The term has the meaning given the term in section 603(f) of the Fair Credit Reporting Act ().
* (B) **Medical debt** The term means a debt arising from the receipt of medical services, products, or devices.