Medical Debt Relief Act of 2025

The Medical Debt Relief Act of 2025 would prevent medical debt from being reported as negative information on credit reports. It defines medical debt as any debt related to medical services, products, or devices and prohibits credit reporting agencies from including such debt - even if sent to collections - in credit reports. The bill also requires the Consumer Financial Protection Bureau to update regulations within one year to ban creditors from using medical debt when making credit decisions. This change directly affects consumers with unpaid medical bills and alters standard credit reporting practices.