Credit reporting-medical debt.

HB 195 prohibits medical facilities (like hospitals and clinics) and collection entities from reporting medical debt to credit bureaus starting July 1, 2025. This directly affects healthcare providers and debt collectors who handle unpaid medical bills, excluding debt from healthcare-specific credit cards. Violators face civil penalties equal to the amount of debt reported. The bill defines "medical debt" broadly but excludes credit card charges tied to healthcare services.