,i  #aafth ,,congress  #ast ,session    
,h4 ,r4 #eccj  ,,in ,,the ,,house ,,of  
,,representatives  ,december #e1        
#bjai,ms4 ,tlaib introduced the         
following bill2 which was referred to   
the ,committee on ,financial ,services  
,a ,,bill  ,to amend the ,fair ,debt    
,collection ,practices ,act to provide a
 timetable for verification of medical  
debt and to increase the efficiency of  
credit markets with more perfect        
information1 to prohibit consumer       
reporting agencies from issuing consumer
 reports containing information about   
debts related to medically necessary    
procedure1 about and for other purposes4
  #a4 ,short title ,this ,act may be    
cited as the ,consumer ,protection for  
,medical ,debt ,collections ,act4  #b4  
,amendments to the ,fair ,debt          
,collection ,practices ,act  7a7 ,in    
general ,section #hji of the ,fair ,debt
 ,collection ,practices ,act 7#ae       
,u4,s4,c4 #afib;g7 is amended by adding 
at the end the following3  7f7          

,additional notice requirements for     
medical debt  7#a7 ,definitions ,in this
 subsection3 7,a7 ,consumer reporting   
agency ,the term consumer reporting     
agency has the meaning given the term in
 section #fjc7;f7 of the ,fair ,credit  
,reporting ,act 7#ae ,u4,s4,c4          
#afha;a7f774  7,b7 ,medical debt ,the   
term medical debt means a debt arising  
from the receipt of medical services1   
products1 or devices4  7#b7 ,notice     
about credit reporting ,before          
furnishing information regarding a      
medical debt of a consumer to a consumer
 reporting agency1 the person furnishing
 the information shall send a statement 
to the consumer that includes the       
following3  7,a7 ,a notification that   
the medical debt may not be reported to 
a consumer reporting agency until the   
end of the #a-year period beginning on  
the later of--  7i7 the date on which   
the person sends the statement2 and     
7ii7 the last date on which the consumer
 made any payment to the person with    

respect to the medical debt4  7,b7 ,a   
notification that1 if the debt is       
settled or paid by the consumer or an   
insurance company before the end of the 
#a-year period described under          
subparagraph 7,a7--  7i7 the debt may   
not be reported to a consumer reporting 
agency2 and  7ii7 the consumer may1 any 
time before the end of such that #a-year
 period--  7,i7 communicate with an     
insurance company to determine coverage 
for the debt2 or  7,,ii7 apply for      
financial assistance4  7#c7 ,no         
reporting before the end of the #a-year 
period  7,a7 ,in general ,before the end
 of the #a-year period described in     
paragraph 7#b77;,a71 no person may      
communicate with1 or report any         
information to1 any consumer reporting  
agency regarding a debt described in    
that paragraph4  7,b7 ,reporting after  
the end of the #a-year period ,nothing  
in this subsection shall prohibit a     
person from communicating with1 or      
reporting any information to1 a consumer

 reporting agency regarding a medical   
debt of a consumer after the end of the 
#a-year period described in paragraph   
7#b77;,a7 with respect to the debt4     
7#d7 ,no debt collection before the end 
of the #a-year period ,with respect to a
 medical debt1 before the end of the    
#a-year period described in paragraph   
7#b77;,a71 a debt collector may not     
engage in activities to collect or      
attempt to collect such medical debt    
owed or due or asserted to be owed4  4  
7b7 ,effective date ,the amendment made 
by this section shall take effect on the
 date that is #ahj days after the date  
of enactment of this ,act4  #c4         
,prohibition on reporting medically     
necessary procedures  7a7 ,in general   
,section #fje7;a7 of the ,fair ,credit  
,reporting ,act 7#ae ,u4,s4,c4          
#afha;c7a77 is amended by adding at the 
end the following new paragraph3  7#i7  
,any information related to a debt      
arising from a medically necessary      
procedure4  4  7b7 ,effective date ,the 

amendment made by this section shall    
take effect on the date that is #ahj    
days after the date of enactment of this
 ,act4