Relating to the reporting of certain information regarding medically necessary debt on a consumer report.

HB 880 prohibits credit reporting agencies from including "medically necessary debt" on consumer credit reports, regardless of when the debt was incurred. This applies to debt for services that diagnose, treat, or prevent illness (including preventative care like screenings, vaccines, and tests) under accepted medical standards. The bill directly affects consumers with such medical debt and credit bureaus, requiring them to exclude these records from credit reports. The law takes effect September 1, 2025, and only applies to credit reports issued on or after that date.