,,ib  ,union ,cal5d> ,no4 #hjb  #aae?   
,,congress  #b;d ,session  ,h4 ,r4 #bfhc
  ,report ,no4 #aae-ajbe  ,,9 ,,! ,,h\se
 ,,( ,,repres5tatives  ,may #be1 #bjag  
,mr4 ,delaney 7= himself1 ,mr4 ,hultgr51
 ,ms4 ,s9ema1 ,mrs4 ,walorski1 ,mr4     
,r\z]1 ,mr4 ,o',r\rke1 ,mr4 ,rupp]sb]g]1
 ,mr4 ,"y ( ,alaska1 ,ms4 ,/efanik1 ,mr4
 ,jones1 ,mr4 ,de,fazio1 ,mr4 ,ru%1 ,mr4
 ,bi%op ( ,georgia1 ,mr4 ,himes1 ,mr4   
,gonzalez ( ,texas1 ,ms4 ,%ea-,port]1   
,mrs4 ,d+ell1 ,mr4 ,c>twright1 ,mr4     
,c\rtney1 & ,mr4 ,ha/+s7 introduc$ !    
foll[+ bill2 :i* 0 ref]r$ to !          
,committee on ,f9ancial ,s]vices        
,novemb] #ad1 #bjah;,additional         
sponsors3 ,mr4 ,polis1 ,mr4 ,c(fman1    
,mr4 ,got!im]1 ,mr4 ,arr+ton1 ,mr4      
,cri/1 ,mr4 ,poliqu91 ,mrs4 ,c>olyn ,b4 
,maloney ( ,new ,york1 ,mr4 ,williams1  
,mr4 ,b>r1 ,mr4 ,mac,arthur1 ,mr4 ,ruiz1
 ,mr4 ,/iv]s1 ,mr4 ,%]man1 ,mr4 ,mess]1 
& ,ms4 ,t5ney  ,novemb] #ad1 #bjah      
,report$ ) an am5dm5t1 committ$ to !    
,committee ( ! ,:ole ,h\se on ! ,/ate ( 

! ,union1 & ord]$ to be pr9t$ ,/rike out
 all aft] ! enact+ clause & ins]t ! "p  
pr9t$ 9 italic ,= text ( introduc$ bill1
 see copy ( bill z introduc$ on ,may    
#be1 #bjag  ,a ,,bill  ,to am5d ! ,fair 
,cr$it ,report+ ,act to delay !         
inclusion 9 consum] cr$it reports & to  
e/abli% requirem5ts = debt collectors ) 
respect to m$ical debt in=mation (      
vet]ans due to inappropriate or delay$  
bill+ paym5ts or reimbursem5ts f !      
,dep>tm5t ( ,vet]ans ,affairs1 & = o!r  
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,protect+ ,vet]ans ,cr$it  
,act ( #bjah4  #b4 ,purpose ,! purpose (
 ?is ,act is to rectify problematic     
report+ ( m$ical debt includ$ 9 a       
consum] report ( a vet]an due to        
inappropriate or delay$ paym5t =        
hospital c>e1 m$ical s]vices1 or ext5d$ 
c>e s]vices provid$ 9 a non-,dep>tm5t ( 
,vet]ans ,affairs facility "u ! laws    
adm9i/]$ by ! ,secret>y ( ,vet]ans      
,affairs4  #c4 ,am5dm5ts to ,fair ,cr$it
 ,report+ ,act  7a7 ,vet]an's m$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 ,vet]an ,! t]m vet]an has !
 mean+ giv5 ! t]m 9 section #aja ( title
 #ch1 ,unit$ ,/ates ,code4  7aa7        
,vet]an's m$ical debt ,! t]m vet]an's   
m$ical debt--  7#a7 means a m$ical      
collection debt ( a vet]an ow$ to an    
eligible non-,dep>tm5t ( ,vet]ans       
,affairs heal? c>e provid] t 0 submitt$ 
to ! ,dep>tm5t = paym5t = heal? c>e     
au?oriz$ by ! ,dep>tm5t ( ,vet]ans      
,affairs2 &  7#b7 includes m$ical       
collection debt t ! ,dep>tm5t ( ,vet]ans
 ,affairs has wrongfully *>g$ a vet]an4 
4  7b7 ,exclusion = vet]an's 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 vet]an's
 m$ical debt if ! date on :i* ! hospital
 c>e1 m$ical s]vices1 or ext5d$ c>e     
s]vices 0 r5d]$ relat+ to ! debt        
ant$ates ! report by less ?an "o ye> if 

! consum] report+ ag5cy has actual k t !
 in=mation is relat$ to a vet]an's      
m$ical debt & ! consum] report+ ag5cy is
 9 compliance ) its obligation "u       
section #d7;e7 ( ! ,protect+ ,vet]ans   
,cr$it ,act ( #bjah4  7#h7 ,any         
in=mation relat$ to a fully paid or     
settl$ vet]an's m$ical debt t _h be5    
*>act]iz$ z del9qu5t1 *>g$ (f1 or 9     
collection if ! consum] report+ ag5cy   
has actual k t ! in=mation is relat$ to 
a vet]an's m$ical debt & ! consum]      
report+ ag5cy is 9 compliance ) its     
obligation "u section #d7;e7 ( !        
,protect+ ,vet]ans ,cr$it ,act ( #bjah4 
4  7c7 ,update to summ>y ( rights       
,section #fji7;c77#a77;,b7 ( ! ,fair    
,cr$it ,report+ ,act 7#ae ,u4,s4,c4     
#afha;g7c77#a77;,b77 is am5d$-- 7#a7 9  
clause 7v71 by /rik+ & at ! end2  7#b7 9
 clause 7vi71 by /rik+ ! p]iod & ins]t+ 
2 &2 &  7#c7 by add+ at ! end ! foll[+3 
7vii7 ! "r ( a vet]an to dispute !      
inclusion ( vet]an's m$ical debt "u     
section #faa4  4  7d7 ,removal (        

vet]an's m$ical debt f consum] report   
,section #faa ( ! ,fair ,cr$it ,report+ 
,act 7#ae ,u4,s4,c4 #afha;i7 is am5d$-- 
7#a7 9 subsection 7a77#a77;,a71 by      
ins]t+ & except z provid$ 9 subsection  
7g7 aft] subsection 7f72 &  7#b7 by add+
 at ! end ! foll[+3  7g7 ,dispute       
process = vet]an's m$ical debt  7#a7 ,9 
g5]al ,) respect to a vet]an's m$ical   
debt1 ! vet]an may submit a notice      
describ$ 9 p>agraph 7#b71 pro( (        
liability ( ! ,dep>tm5t ( ,vet]ans      
,affairs = paym5t ( t debt1 or          
docum5tation t ! ,dep>tm5t ( ,vet]ans   
,affairs is 9 ! process ( mak+ paym5t = 
au?oriz$ hospital c>e1 m$ical s]vices1  
or ext5d$ c>e s]vices r5d]$ to a consum]
 report+ ag5cy or a resell] to dispute !
 inclusion ( t debt on a consum] report 
( ! vet]an4  7#b7 ,notification to      
vet]an ,! ,dep>tm5t ( ,vet]ans ,affairs 
%all submit to a vet]an1 n lat] ?an #cj 
days aft] ! ,dep>tm5t ( ,vet]ans        
,affairs assumes su* liability1 a writt5
 notice t ! ,dep>tm5t ( ,vet]ans        

,affairs has assum$ liability = "p or   
all ( a vet]an's m$ical debt4  7#c7     
,deletion ( in=mation f file ,if a      
consum] report+ ag5cy receives notice1  
pro( ( liability1 or docum5tation "u    
p>agraph 7#a71 ! consum] report+ ag5cy1 
n lat] ?an #cj days aft] receipt1 & free
 ( *>ge to ! vet]an1 %all delete all    
in=mation relat+ to ! vet]an's m$ical   
debt f ! file ( ! vet]an & notify !     
furni%] & ! vet]an ( t deletion4  4  #d4
 ,v]ification ( vet]an's m$ical debt    
7a7 ,def9itions ,= purposes ( ?is       
section-- 7#a7 ! t]m consum] report+    
ag5cy means a consum] report+ ag5cy     
describ$ 9 section #fjc7p7 or #fjc7x7 ( 
! ,fair ,cr$it ,report+ ,act 7#ae       
,u4,s4,c4 #afha;a72 &  7#b7 ! t]ms      
vet]an & vet]an's m$ical debt h ! mean+s
 giv5 ^? t]ms 9 section #fjc ( ! ,fair  
,cr$it ,report+ ,act 7#ae ,u4,s4,c4     
#afha;a71 z add$ by section #c7;a7 ( ?is
 ,act4  7b7 ,e/abli%m5t ,n lat] ?an "o  
ye> aft] ! date ( enactm5t ( ?is ,act1 !
 ,secret>y ( ,vet]ans ,affairs %all     

e/abli% a database to all[ consum]      
report+ ag5cies to v]ify :e!r a debt    
furni%$ to a consum] report+ ag5cy is a 
vet]an's m$ical debt4  7c7 ,database    
features  7#a7 ,9 g5]al ,! ,secret>y (  
,vet]ans ,affairs %all ensure t !       
database e/abli%$ "u subsection 7b71 to 
! ext5t p]mitt$ by law1 provides consum]
 report+ ag5cies )--  7,a7 suffici5tly  
detail$ & specific in=mation to v]ify   
:e!r a debt be+ furni%$ to ! consum]    
report+ ag5cy is a vet]an's m$ical debt2
  7,b7 access to v]ification in=mation 9
 a secure electronic =mat2  7,c7 timely 
access to v]ification in=mation2 &  7,d7
 any o!r features t w\ld promote !      
effici5t1 timely1 & secure deliv]y (    
in=mation t consum] report+ ag5cies c\ld
 use to v]ify :e!r a debt is a vet]an's 
m$ical debt4  7#b7 ,security &          
confid5tiality ,! ,secret>y %all ensure 
t1 9 ma9ta9+ & all[+ access to !        
database e/abli%$ "u subsection 7b71 !  
security & confid5tiality ( nonpublic   
p]sonal in=mation is ma9ta9$4  7d7      

,/akehold] input ,prior to e/abli%+ !   
database = v]ification "u subsection    
7b71 ! ,secret>y ( ,vet]ans ,affairs    
%all publi% 9 ! ,f$]al ,regi/] a notice 
& reque/ = comm5t t solicits input f !  
public4  7e7 ,v]ification ,provid$ !    
database e/abli%$ "u subsection 7b7 is  
fully functional & ! data available to  
consum] report+ ag5cies1 a consum]      
report+ ag5cy %all use ! database z a   
means to id5tify a vet]an's m$ical debt 
pursuant to p>agraphs 7#g7 & 7#h7 (     
section #fje7;a7 ( ! ,fair ,cr$it       
,report+ ,act 7#ae ,u4,s4,c4            
#afha;c7a771 z add$ by section 7#c77;b7 
( ?is ,act4  #e4 ,effective date ,!     
am5dm5ts made by ?is ,act %all take     
effect on ! date t is "o ye> aft] ! date
 ( enactm5t ( ?is ,act4  ,novemb] #ad1  
#bjah ,report$ ) an am5dm5t1 committ$ to
 ! ,committee ( ! ,:ole ,h\se on ! ,/ate
 ( ! ,union1 & ord]$ to be pr9t$