,,ii  #aad? ,,congress  #b;d ,session   
,s4 #beib  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,febru>y #be1 #bjaf,mr4
 ,m]kley 7= himself1 ,mr4 ,durb91 ,mr4  
,blum5?al1 ,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 am5d ! ,fair ,cr$it ,report+
 ,act by in/itut+ a #ahj-;day wait+     
p]iod be=e m$ical debt w be report$ on a
 consum]'s cr$it report & remov+ paid-(f
 & settl$ m$ical debts f cr$it reports t
 h be5 fully paid or settl$1 to am5d !  
,fair ,debt ,collection ,practices ,act 
by provid+ = a timetable = v]ification (
 m$ical debt & to increase ! effici5cy (
 cr$it m>kets ) m p]fect in=mation1 & = 
o!r purposes4  #a4 ,%ort title ,?is ,act
 may be cit$ z ! ,m$ical ,debt ,relief  
,act ( #bjaf4  #b4 ,am5dm5ts to ,fair   
,cr$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 m$ical debt if !  
date on :i* su* debt 0 plac$ =          
collection1 *>g$ to pr(it or loss1 or   
subject$ to any simil> action ant$ates !
 report by less ?an #ahj days4  7#h7    
,any in=mation relat$ 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$ates ! report by m ?an #de days4  4 
#c4 ,validation ( m$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$it    
,report+ ,act4  7,b7 ,m$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 ,prior to furni%+ in=mation     
reg>d+ a m$ical debt to a consum]       
report+ ag5cy1 a /atem5t describ$ "u    
subsection 7a77#c7 %all include ! foll[+
 in=mation3  7,a7 ,t ! debt collector   
c\ld report to a consum] report+ ag5cy  
reg>d+ ! debt at ! end ( ! #ahj-;day    
p]iod beg9n+ on ! date t ! debt         
collector s5ds ! /atem5t4  7,b7 ,!      
specific date t is ! end ( ! #ahj-;day  
p]iod beg9n+ on ! date t ! debt         
collector s5ds ! /atem5t4  7,c7 ,t1 if !
 debt is settl$ or paid by ! consum] or 
an insurance company dur+ ! #ahj-;day   
p]iod beg9n+ on ! date t ! debt         
collector s5ds ! /atem5t--  7i7 ! debt w
 n be report$ to a consum] report+      
ag5cy2 &  7ii7 ! consum] may1 dur+ !    

#ahj-;day p]iod--  7,i7 communicate ) an
 insurance company to det]m9e cov]age = 
! debt2 or  7,,ii7 apply = f9ancial     
assi/ance4  7#c7 ,communications by debt
 collector ,! debt collector may n1 dur+
 ! #ahj-;day p]iod beg9n+ on ! date t ! 
debt collector s5ds ! /atem5t describ$  
"u p>agraph 7#b71 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] ! #ahj-;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* #ahj-;day p]iod4  4    
#d4 ,effective date ,! am5dm5ts made by 
?is ,act %all take effect aft] ! end ( !
 #f-mon? p]iod beg9n+ on ! date ( !     
enactm5t ( ?is ,act4