,,ii  #aae? ,,congress  #a/ ,session    
,s4 #gdd  ,,9 ,,! ,,s5ate ,,( ,,!       
,,unit$ ,,/ates  ,m>* #bh1 #bjag,mr4    
,donnelly 7= himself & ,mr4 ,r\nds7     
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$it ,report+
 ,act to delay ! inclusion 9 consum]    
cr$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$it ,act ( #bjag4 
#b4 ,purpose ,! purposes ( ?is ,act     
are--  7#a7 to rectify problematic      
report+ ( m$ical debt includ$ 9 a       
consum] report ( a vet]an due to        
inappropriate or delay$ paym5t =        
hospital c>e or m$ical s]vices provid$ 9
 a non-,dep>tm5t ( ,vet]ans ,affairs    
facility "u ! laws adm9i/]$ by !        

,secret>y ( ,vet]ans ,affairs2 &  7#b7  
to cl>ify ! process ( debt collection = 
su* m$ical debt4  #c4 ,am5dm5ts to fair 
cr$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 debt ( a    
vet]an aris+ f heal? c>e provid$ 9 a    
non-,dep>tm5t ( ,vet]ans ,affairs       
facility "u ! laws adm9i/]$ by !        
,secret>y ( ,vet]ans ,affairs2 &  7#b7  
includes m$ical debt t ! ,dep>tm5t (    
,vet]ans ,affairs has wrongfully *>g$ 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;c7 is am5d$ by add+ at ! end !    
foll[+3  7#g7 ,any in=mation relat$ to a
 vet]an's m$ical debt if ! date on :i* !
 hospital c>e or m$ical s]vices 0 r5d]$ 

relat+ to ! debt ant$ates ! report by   
less ?an #a ye>4  7#h7 ,any in=mation   
relat$ to a fully paid or settl$        
vet]an's m$ical debt t _h be5 *>act]iz$ 
z del9qu5t1 *>g$ (f1 or 9 collection4  4
  7c7 ,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 debt ( a consum]1 !     
consum] may submit a notice along ) pro(
 ( liability ( ! ,dep>tm5t ( ,vet]ans   
,affairs = paym5t ( t debt or           
docum5tation t ! ,dep>tm5t ( ,vet]ans   
,affairs is 9 ! process ( mak+ paym5t = 
au?oriz$ m$ical s]vices r5d]$ to a      
consum] report+ ag5cy or a resell] to   
dispute ! inclusion ( t debt on a       
consum] report ( ! consum]4  7#b7       
,notification to vet]an ,! ,dep>tm5t (  

,vet]ans ,affairs %all submit to a      
vet]an a notice t ! ,dep>tm5t ( ,vet]ans
 ,affairs has assum$ liability = "p or  
all ( a vet]an's m$ical debt4  7#c7     
,deletion ( in=mation f file ,if a      
notice & pro( ( liability or            
docum5tation is receiv$ "u p>agraph     
7#a71 ! consum] report+ ag5cy %all      
delete all in=mation relat+ to !        
vet]an's m$ical debt f ! file ( !       
consum] & notify ! furni%] & ! consum] (
 t deletion4  4  #d4 ,effective date ,! 
am5dm5ts made by ?is ,act %all take     
effect on ! date t is #ij days aft] !   
date ( enactm5t ( ?is ,act4