Medical Debt Relief Act of 2025

The Medical Debt Relief Act of 2025 would prevent medical debt from appearing on credit reports and bar creditors from using medical debt to deny or limit credit. It defines medical debt as any balance from medical services, products, or devices and amends the Fair Credit Reporting Act to exclude such debt from adverse credit reporting. The bill also requires the Consumer Financial Protection Bureau to update regulations within one year to prohibit creditors from considering medical debt during credit decisions. This change would directly protect consumers - especially those with unexpected medical bills - from credit score damage unrelated to financial management.