,,ii  #aac? ,,congress  #a/ ,session    
,s4 #afj  ,,9 ,,! ,,s5ate ,,( ,,!       
,,unit$ ,,/ates  ,janu>y #bh1 #bjac ,mr4
 ,m]kley 7= himself1 ,mr4 ,blum5?al1    
,mr4 ,br[n1 ,mr4 ,durb91 ,mr4 ,h>k91    
,mr4 ,m55dez1 & ,mr4 ,s*um]7 introduc$ !
 foll[+ bill2 :i* 0 read twice & ref]r$ 
to ! ,committee on ,bank+1 ,h\s+1 &     
,urban ,affairs  ,a ,,bill  ,to exclude 
f consum] cr$it reports m$ical debt t   
has be5 9 collection & has be5 fully    
paid or settl$1 & = o!r purposes4  #a4  
,%ort title ,?is ,act may be cit$ z !   
,m$ical ,debt ,responsibility ,act (    
#bjac4  #b4 ,f9d+s & purpose  7a7 ,f9d+s
 ,congress f9ds t--  7#a7 m$ical debt is
 unique1 & ,am]icans d n *oose :5       
accid5ts happ5 or :5 illness /rikes2    
7#b7 m$ical debt collection issues      
affect bo? insur$ & un9sur$ consum]s2   
7#c7 accord+ to cr$it evaluators1 m$ical
 debt collections are m likely to be 9  
dispute1 inconsi/5tly report$1 & (      
que/ionable value 9 pr$ict+ future      
paym5t p]=mance because x is atypical & 

nonpr$ictive2  7#d7 nev]!less1 m$ical   
debt t has be5 completely paid (f or    
settl$ c significantly damage ! cr$it   
score ( a consum] = ye>s2  7#e7 z a     
result1 consum]s may be d5i$ cr$it or   
pay high] int]e/ rates :5 buy+ a home or
 obta9+ a cr$it c>d2  7#f7 heal?c>e     
provid]s are increas+ly turn+ to outside
 collection ag5cies to help secure      
paym5t f pati5ts1 com+ at ! exp5se ( !  
consum]1 because m$ical debts are n     
typically report$ unless !y become      
assign$ to collections2  7#g7 9 fact1   
m$ical bills acc\nt = m ?an half ( all  
non-cr$it relat$ collection actions     
report$ to consum] cr$it report+        
ag5cies2  7#h7 ! issue ( m$ical debt    
affects millions ( consum]s2  7#i7      
accord+ to ! ,commonweal? ,fund1 m$ical 
bill problems or accru$ m$ical debt     
affects r\ghly #gc1jjj1jjj work+-age    
adults 9 ,am]ica2 &  7#aj7 9 #bjaj1     
#cj1jjj1jjj work+-age ,am]ican adults 7 
contact$ by a collection ag5cy = unpaid 
m$ical bills4  7b7 ,purpose ,x is !     

purpose ( ?is ,act to exclude f consum] 
cr$it reports m$ical debt t _h be5      
*>act]iz$ z debt 9 collection = cr$it   
report+ purposes & has be5 fully paid or
 settl$4  #c4 ,am5dm5ts to fair cr$it   
report+ ,act  7a7 ,m$ical debt def9$    
,section #fjc ( ! ,fair ,cr$it ,report+ 
,act 7#ae ,u4,s4,c4 #afha;a7 is am5d$ by
 add+ at ! end ! foll[+3  7z7 ,m$ical   
debt ,! t]m m$ical debt means a debt    
describ$ 9 section #fjd7;g77#a77;,c74  4
  7b7 ,exclusion = paid or settl$ m$ical
 debt ,section #fje7;a7 ( ! ,fair ,cr$it
 ,report+ ,act 7#ae ,u4,s4,c4           
#afha;c7a77 is am5d$ by add+ at ! end ! 
foll[+3  7#g7 ,any in=mation relat$ to a
 fully paid or settl$ m$ical debt t _h  
be5 *>act]iz$ z del9qu5t1 *>g$ (f1 or 9 
collection :i*1 f ! date ( paym5t or    
settlem5t1 ant$ates ! report by m ?an   
#de days4  4