HB 223

Beginning July 1, 2025, this bill prohibits a consumer reporting agency from includ ing on a consumer report a record of a medical debt that is filed in this state. If a consumer reporting agency includes such information in a consumer report, then the person to whom the consumer report applies may dispute the completeness or accuracy of such information, as provided under the federal Fair Credit Reporting Act . I n addition to the penalties and remedies in this bill, this bill provides that a violation of this bill constitutes a violation of the Tennessee Consumer Protection Act of 1977, and is subject to the penalties and remedies as provided in that Act, which includes, but is not limited to, restraining orders, injunctions, private rights of action, and actions by the attorney general. The attorney general has all of the investigative and enforcement authority that the attorney general has under that Act relating to alleged violations of this bill . The attorney general may institute proceedings involving alleged violations in Davidson County circuit or chancery court or any other venue otherwise permitted by law. However, c osts of any kind or nature cannot be taxed against the attorney general or the state in such actions.