Consumer Protection - As introduced, prohibits consumer reporting agencies from including on a consumer report a record of a medical debt judgment that is filed in this state. - Amends TCA Title 9, Chapter 8; Title 16; Title 18; Title 20; Title 21; Title 27; Title 28; Title 29; Title 45 and Title 47.

HB 223 prohibits consumer reporting agencies (like credit bureaus) from including medical debt judgments - court-ordered debts for healthcare costs - in consumers' credit reports starting July 1, 2025. It directly affects Tennessee residents with medical debt that resulted in a court judgment, preventing these judgments from negatively impacting their credit scores. The bill allows consumers to dispute any violations under federal Fair Credit Reporting Act rules and treats violations as unfair practices under Tennessee’s Consumer Protection Act, enabling enforcement by the Attorney General. This change aims to remove a specific barrier to credit rebuilding for individuals facing medical debt.