,i  #aac? ,,congress  #a/ ,session  ,h4 
,r4 #bbaa  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,may #bd1 #bjac ,mr4  
,g>y ,g4 ,mill] ( ,cali=nia 7= himself &
 ,mrs4 ,mc,carthy ( ,new ,york7         
introduc$ ! foll[+ bill2 :i* 0 ref]r$ to
 ! ,committee on ,f9ancial ,s]vices  ,a 
,,bill  ,to am5d ! ,fair ,debt          
,collection ,practices ,act to provide =
 a timetable = v]ification ( m$ical debt
 & to increase ! effici5cy ( cr$it      
m>kets ) m p]fect in=mation4  #a4 ,%ort 
title ,?is ,act may be cit$ z !         
,accuracy 9 ,report+ ,m$ical ,debt ,act 
( #bjac4  #b4 ,f9d+s ,! ,congress f9ds !
 foll[+3  7#a7 ,a r$uction 9 a consum]'s
 cr$it score c imp$e consum]s' economic 
activity & consum] borr[+ capacity4     
7#b7 ,a #bjab ,f$]al ,trade ,commission 
report f\nd t z _m z #dj million        
,am]icans h mi/akes on _! cr$it report4 
7#c7 ,accord+ to cr$it evaluators1      
m$ical debt collections are inconsi/5tly
 report$1 & ( que/ionable value 9       
pr$ict+ future paym5t p]=mance4  7#d7   

,m$ical debt t has be5 completely paid  
(f or settl$ w rema9 on a consum]'s     
cr$it report & c significantly damage a 
consum]'s cr$it score = #g ye>s4  7#e7  
,cr$itwor?y consum]s may be d5i$ cr$it1 
pay high] int]e/ rates1 or pay high]    
fees :5 buy+ or ref9anc+ a home loan or 
obta9+ cr$it = cr$it-relat$ products due
 to disput$ m$ical debt on _! cr$it     
reports4  #c4 ,validation ( m$ical debt 
7a7 ,9 g5]al ,section #hji ( ! ,fair    
,debt ,collection ,practices ,act 7#ae  
,u4,s4,c4 #afib;g7 is am5d$ by add+ at !
 end ! foll[+3  7f7 ,validation ( m$ical
 debt ,= purposes ( m$ical debt1 !      
foll[+ %all apply3  7#a7 ,def9itions ,= 
purposes ( ?is subsection3  7,a7        
,consum] report+ ag5cy ,! t]m consum]   
report+ ag5cy has ! mean+ giv5 su* t]m  
"u section #fjc7;f7 ( ! ,fair ,cr$it    
,report+ ,act4  7,b7 ,disputes !        
validity ,) respect to a m$ical debt1 a 
consum] disputes ! validity ( su* debt  
if ! consum] /ates1 9 writ+1 t ei!r--   
7i7 ! consum] is cont9u+ to communicate 

) an insurance company to det]m9e       
cov]age = ! debt2  7ii7 ! consum]       
disputes ! am\nt or exi/5ce ( ! debt2 or
  7iii7 ! consum] has appli$ = f9ancial 
assi/ance1 provides evid5ce ( su*       
application1 & is await+ a det]m9ation4 
7,c7 ,m$ical debt ,! t]m m$ical debt    
means a debt aris+ f ! receipt ( m$ical 
s]vices1 products1 or devices4  7#b7    
,notice ( specific deadl9e ,:5 s5d+ a   
/atem5t describ$ "u subsection 7a77#c71 
! debt collector %all include ! foll[+  
in=mation3  7,a7 ,t ! debt collector    
c\ld report to a consum] report+ ag5cy  
reg>d+ ! debt1 if ! consum] does n      
respond to ! notice )9 #cj days f ! date
 on :i* ! consum] receiv$ ! /atem5t4    
7,b7 ,t1 if ! consum] does respond1 !   
debt collector c\ld report to a consum] 
report+ ag5cy reg>d+ ! debt at ! end ( !
 #abj-;day p]iod beg9n+ on ! date t !   
debt collector s5ds ! /atem5t4  7,c7 ,! 
specific date t is ! end ( ! #abj-;day  
p]iod beg9n+ on ! date t ! debt         
collector s5ds ! /atem5t4  7#c7 ,effect 

( consum] notice ,if ! consum] notifies 
! debt collector1 9 writ+1 )9 ! #cj-;day
 p]iod describ$ "u subsection 7a71 t !  
consum] disputes ! validity ( ! debt1 ! 
debt collector may n1 dur+ ! #abj-;day  
p]iod beg9n+ on ! date t ! debt         
collector s5ds ! writt5 notice describ$ 
"u subsection 7a71 communicate )1 or    
report any in=mation to1 any consum]    
report+ ag5cy reg>d+ su* debt4 ,?is     
p>agraph %all h no effect on :5 a debt  
collector may or may n engage 9         
activities to collect or attempt to     
collect any debt ow$ or due or ass]t$ to
 be ow$4  7#d7 ,report+ aft] ! #abj-;day
 p]iod ,no?+ 9 ?is subsection %all      
prohibit ! debt collector f communicat+ 
)1 or report+ any in=mation to1 any     
consum] report+ ag5cy reg>d+ su* debt   
aft] ! end ( su* #abj-;day p]iod4  4    
7b7 ,effective date ,! am5dm5t made by  
subsection 7a7 %all take effect aft] !  
end ( ! #f-mon? p]iod beg9n+ on ! date (
 ! enactm5t ( ?is ,act4