An act relating to excluding medical debt from credit reports

This bill prohibits credit reporting agencies from including medical debt in consumer credit files, directly affecting individuals with unpaid medical bills and the agencies that compile credit reports. It prevents hospitals, outpatient clinics, surgical centers, and medical debt collectors from reporting or selling medical debt information to credit reporting agencies. The law defines medical debt according to existing state statutes and applies to large healthcare facilities and their associated debt collection activities. If passed, these restrictions would take effect on July 1, 2024, ensuring medical debt does not appear on credit reports.