Consumer Protection for Medical Debt Collections Act
Latest action · Dec 15, 2020 Placed on the Union Calendar, Calendar No. 537.
Progress
Where this bill reached, and when. A stage with no date was not reached; one that failed a vote and later carried shows the date it carried.
- IntroducedDec 5, 2019
- Passed HouseNot reached
- Passed SenateNot reached
- To the PresidentNot reached
- Became lawNot reached
Summary
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.
Cosponsors
Members who signed on, in the order they did.
Committees 1
Where it was sent and what each committee and subcommittee did with it, in order.
| Chamber | Committee | What it did |
|---|---|---|
| House | Financial Services Committee | Referred Dec 5, 2019Markup Dec 11, 2019Reported Dec 15, 2020 |
Actions 7
Everything that happened, newest first.
- Dec 15, 2020Reported (Amended) by the Committee on Financial Services. H. Rept. 116-653.
- Dec 15, 2020Placed on the Union Calendar, Calendar No. 537.
- Dec 11, 2019Committee Consideration and Mark-up Session Held.
- Dec 11, 2019Ordered to be Reported (Amended) by the Yeas and Nays: 31 - 24.
- Dec 10, 2019Committee Consideration and Mark-up Session Held.
- Dec 5, 2019Introduced in House
- Dec 5, 2019Referred to the House Committee on Financial Services.
Research
What has been written about this bill: committee reports, cost estimates, the sponsor’s authority statement, printed hearings and the Congressional Research Service’s work.
Committee report
Congressional Budget Office cost estimate
- Dec 9, 2020H.R. 5330, Consumer Protection for Medical Debt Collections ActAs ordered reported by the House Committee on Financial Services on December 11, 2019
Constitutional authority
The sponsor’s statement, as printed in the Congressional Record, vol. 165, no. 194, December 5, 2019, page H9295.
Related bills 1
Companion bills and other measures the record links to this one.
| Bill | Title | Relationship | Latest action |
|---|---|---|---|
| S 1581 | Medical Debt Relief Act of 2019 | Related bill | May 21, 2019 |
Titles 3
Every title it has carried, official and short, at each stage.
- Official Title as Introduced
- 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, to prohibit consumer reporting agencies from issuing consumer reports containing information about debts related to medically necessary procedure, about and for other purposes.
- Short Title(s) as Introduced
- Consumer Protection for Medical Debt Collections Act
- Short Title(s) as Reported to House
- Consumer Protection for Medical Debt Collections Act
Subjects
Assigned by the Library of Congress. Policy area: Finance and Financial Sector.
Text 2
Each version as it was printed, newest first.
- Dec 15, 2020Reported in House
- Dec 5, 2019Introduced in House
Everything here is as published by Congress: the summary is the Congressional Research Service's, the action wording is the clerks', and the subjects are the Library of Congress's. How far it got is read from the actions themselves, taking the most recent one of each kind, so a bill that failed a vote and later passed is shown as having passed. Records come from this bill on Congress.gov and govinfo.gov; cost estimates are the Congressional Budget Office's, and the hearings are the printed hearings GovInfo publishes, which can appear months after the hearing.
