,i  #aaf? ,,congress  #a/ ,session  ,h4 
,r4 #eccj  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,decemb] #e1 #bjai,ms4
 ,tlaib introduc$ ! foll[+ bill2 :i* 0  
ref]r$ to ! ,committee on ,f9ancial     
,s]vices  ,a ,,bill  ,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 to   
prohibit consum] report+ ag5cies f issu+
 consum] reports conta9+ in=mation ab\t 
debts relat$ to m$ically necess>y       
proc$ure1 ab\t & = o!r purposes4  #a4   
,%ort title ,?is ,act may be cit$ z !   
,consum] ,protection = ,m$ical ,debt    
,collections ,act4  #b4 ,am5dm5ts to !  
,fair ,debt ,collection ,practices ,act 
7a7 ,9 g5]al ,section #hji ( ! ,fair    
,debt ,collection ,practices ,act 7#ae  
,u4,s4,c4 #afib;g7 is am5d$ 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$it       
,report+ ,act 7#ae ,u4,s4,c4            
#afha;a7f774  7,b7 ,m$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 ( ! #a-ye> p]iod beg9n+ on ! lat]
 (--  7i7 ! date on :i* ! p]son s5ds !  
/atem5t2 &  7ii7 ! la/ date on :i* !    
consum] made any paym5t to ! p]son )    
respect to ! m$ical debt4  7,b7 ,a      
notification t1 if ! debt is settl$ or  
paid by ! consum] or an insurance       
company be=e ! end ( ! #a-ye> p]iod     
describ$ "u subp>agraph 7,a7--  7i7 !   
debt may n be report$ to a consum]      
report+ ag5cy2 &  7ii7 ! consum] may1   

any "t be=e ! end ( su* t #a-ye> 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+ be=e ! end ( ! #a-ye> p]iod
  7,a7 ,9 g5]al ,be=e ! end ( ! #a-ye>  
p]iod describ$ 9 p>agraph 7#b77;,a71 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 ,report+ aft] ! end ( ! #a-ye>     
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$ical debt ( a  
consum] aft] ! end ( ! #a-ye> p]iod     
describ$ 9 p>agraph 7#b77;,a7 ) respect 
to ! debt4  7#d7 ,no debt collection    
be=e ! end ( ! #a-ye> p]iod ,) respect  
to a m$ical debt1 be=e ! end ( ! #a-ye> 
p]iod describ$ 9 p>agraph 7#b77;,a71 a  
debt collector may n engage 9 activities
 to collect or attempt to collect su*   
m$ical debt ow$ or due or ass]t$ to be  
ow$4  4  7b7 ,effective date ,! am5dm5t 

made by ?is section %all take effect on 
! date t is #ahj days aft] ! date (     
enactm5t ( ?is ,act4  #c4 ,prohibition  
on report+ m$ically necess>y proc$ures  
7a7 ,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[+ new p>agraph3  7#i7 ,any         
in=mation relat$ to a debt aris+ f a    
m$ically necess>y proc$ure4  4  7b7     
,effective date ,! am5dm5t made by ?is  
section %all take effect on ! date t is 
#ahj days aft] ! date ( enactm5t ( ?is  
,act4