,,ii  #aae? ,,congress  #b;d ,session   
,s4 #ccea  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,augu/ #af1 #bjah,mr4  
,m]kley 7= himself1 ,mr4 ,blum5?al1     
,mrs4 ,fe9/e91 ,ms4 ,w>r51 ,mr4 ,durb91 
,mr4 ,m55dez1 & ,ms4 ,hassan7 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$it ,report+ ,act to in/itute a
 #ahj-;day wait+ p]iod be=e m$ical debt 
w be report$ on a consum]'s cr$it report
 & to remove paid-(f & settl$ m$ical    
debts f cr$it reports t h be5 fully paid
 or settl$1 to am5d ! ,fair ,debt       
,collection ,practices ,act to provide a
 timetable = v]ification ( m$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$ical ,debt ,relief ,act ( #bjah4   
#b4 ,am5dm5ts to ,fair ,cr$it ,report+  
,act  7a7 ,m$ical debt def9$  7#a7 ,9   
g5]al ,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  7#b7 ,te*nical & 
con=m+ am5dm5ts ,on ! date describ$ 9   
section #cjb7;e7 ( ! ,economic ,gr[?1   
,regulatory ,relief1 & ,consum]         
,protection ,act 7,public ,law          
#aae-agd71 subsection 7z7 ( section #fjc
 ( ! ,fair ,cr$it ,report+ ,act 7#ae    
,u4,s4,c4 #afha;a71 z add$ by p>agraph  
7#a71 %all be r$esignat$ z subsection   
7bb7 & mov$ to appe> aft] subsection    
7aa74  7b7 ,exclusion = paid or settl$  
m$ical debt  7#a7 ,9 g5]al ,section     
#fje7;a7 ( ! ,fair ,cr$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$ical debt if !  
date on :i* ! debt 0 plac$ = 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$ates ! report 
by m ?an #de days4  4  7#b7 ,te*nical & 
con=m+ am5dm5ts ,on ! date describ$ 9   
section #cjb7;e7 ( ! ,economic ,gr[?1   
,regulatory ,relief1 & ,consum]         
,protection ,act 7,public ,law          
#aae-agd71 p>agraphs 7#g7 & 7#h7 (      
section #fje7;a7 ( ! ,fair ,cr$it       
,report+ ,act 7#ae ,u4,s4,c4            
#afha;c7a771 z add$ by p>agraph 7#a7 (  
?is subsection1 %all be r$esignat$ z    
p>agraphs 7#i7 & 7#aj71 respectively1 & 
mov$ to appe> aft] p>agraph 7#h74  #c4  
,am5dm5ts to ! ,fair ,debt ,collection  
,practices ,act  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
 ,additional notice requirem5ts = m$ical
 debt  7#a7 ,def9itions ,9 ?is          
subsection3 7,a7 ,consum] report+ ag5cy 
,! t]m consum] report+ ag5cy has ! mean+
 giv5 ! t]m 9 section #fjc7;f7 ( ! ,fair
 ,cr$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 ab\t
 cr$it report+ ,be=e furni%+ in=mation  
reg>d+ a m$ical debt ( a consum] to a   
consum] report+ ag5cy1 ! p]son furni%+ !
 in=mation %all s5d a /atem5t to !      
consum] t includes ! foll[+3  7,a7 ,a   
notification t ! m$ical debt may n be   
report$ to a consum] report+ ag5cy until
 ! end ( ! #ahj-;day p]iod beg9n+ on !  
date on :i* ! p]son s5ds ! /atem5t4     
7,b7 ,! specific date t is ! end ( !    
#ahj-;day p]iod beg9n+ on ! date on :i* 
! p]son s5ds ! /atem5t4  7,c7 ,a        
notification t1 if ! debt is settl$ or  
paid by ! consum] or an insurance       
company dur+ ! #ahj-;day p]iod beg9n+ on
 ! date on :i* ! p]son s5ds ! /atem5t-- 
7i7 ! debt may n be report$ to a consum]
 report+ ag5cy2 &  7ii7 ! consum] may1  
dur+ t #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 ,no   

report+ dur+ #ahj-;day p]iod  7,a7 ,9   
g5]al ,dur+ ! #ahj-;day p]iod describ$ 9
 p>agraph 7#b71 no p]son may communicate
 )1 or report any in=mation to1 any     
consum] report+ ag5cy reg>d+ a debt     
describ$ 9 t p>agraph4  7,b7 ,rule (    
con/ruction ,no?+ 9 ?is p>agraph may be 
con/ru$ to affect :5 a debt collector   
may engage 9 activities to collect or   
attempt to collect any debt ow$ or due  
or ass]t$ to be ow$4  7#d7 ,report+ aft]
 ! #ahj-;day p]iod ,no?+ 9 ?is          
subsection %all prohibit a p]son f      
communicat+ )1 or report+ any in=mation 
to1 a consum] report+ ag5cy reg>d+ a    
m$ical debt ( a consum] aft] ! end ( !  
#ahj-;day p]iod describ$ 9 p>agraph 7#b7
 ) respect to ! debt4  4  #d4 ,effective
 date ,except z o!rwise expressly       
provid$1 ! am5dm5ts made by ?is ,act    
%all take effect on ! date t is #ahj    
days aft] ! date ( enactm5t ( ?is ,act4