,,ib ,union ,cal5d> ,no4 #ecg #aaf? ,,congress #b;d ,session ,h4 ,r4 #eccj ,report ,no4 #aaf-fec ,,9 ,,! ,,h\se ,,( ,,repres5tatives ,decemb] #e1 #bjai,ms4 ,tlaib introduc$ ! foll[+ bill2 :i* 0 ref]r$ to ! ,committee on ,f9ancial ,s]vices ,decemb] #ae1 #bjbj,report$ ) am5dm5ts1 committ$ to ! ,committee ( ! ,:ole ,h\se on ! ,/ate ( ! ,union1 & ord]$ to be printed,strike out all aft] ! enact+ clause & ins]t ! "p pr9t$ 9 italic,for text ( introduc$ bill1 see copy ( bill z introduc$ on ,decemb] #e1 #bjai ,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$ical ,debt ,collections ,act4 #b4 ,am5dm5ts to ! ,fair ,debt ,collection ,practices ,act 7a7 ,def9ition ,section #hjc ( ! ,fair ,debt ,collection ,practices ,act 7#ae ,u4,s4,c4 #afib;a7 is am5d$ by add+ at ! end ! foll[+3 7#i7 ,! t]m m$ical debt means a debt aris+ f ! receipt ( m$ical s]vices1 products1 or devices4 4 7b7 ,unfair practices ,section #hjh ( ! ,fair ,debt ,collection ,practices ,act 7#ae ,u4,s4,c4 #afib;f7 is am5d$ by add+ at ! end ! foll[+3 7#i7 ,engag+ 9 activities to collect or attempt+ to collect a m$ical debt ow$ or due or ass]t$ to be ow$ or due by a consum]1 be=e ! end ( ! #b-ye> p]iod beg9n+ on ! date t ! fir/ paym5t ) respect to su* m$ical debt is due4 4 #c4 ,prohibition on consum] report+ ag5cies report+ c]ta9 m$ical debt 7a7 ,def9ition ,section #fjc ( ! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afha;a7 is am5d$ by add+ at ! end ! foll[+3 7bb7 ,m$ical debt ,! t]m m$ical debt means a debt aris+ f ! receipt ( m$ical s]vices1 products1 or devices4 7cc7 ,m$ically necess>y proc$ure ,! t]m m$ically necess>y proc$ure means-- 7#a7 heal? c>e s]vices or supplies ne$$ to diagnose or treat an illness1 injury1 condition1 disease1 or its symptoms & t meet accept$ /&>ds ( m$ic9e2 & 7#b7 heal? c>e to prev5t illness or detect illness at an e>ly /age1 :5 treatm5t is likely to "w be/ 7includ+ prev5tive s]vices su* z pap te/s1 flu %ots1 & scre5+ mammograms74 4 7b7 ,9 g5]al ,section #fje7;a7 ( ! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afha;c7a77 is am5d$ by add+ at ! end ! foll[+ new p>agraphs3 7#i7 ,any in=mation relat$ to a debt aris+ f a m$ically necess>y proc$ure4 7#aj7 ,any in=mation relat$ to a m$ical debt1 if ! date on :i* su* debt 0 plac$ = collection1 *>g$ to pr(it or loss1 or subject$ to any simil> action ant$ates ! report by less ?an #cfe cal5d> days4 4 #d4 ,requirem5ts = furni%]s ( m$ical debt in=mation 7a7 ,additional notice requirem5ts = m$ical debt ,section #fbc ( ! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afhas-#b7 is am5d$ by add+ at ! end ! foll[+3 7f7 ,additional notice requirem5ts = m$ical debt ,be=e furni%+ in=mation reg>d+ a m$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$ical debt-- 7,a7 may n be includ$ on a consum] report made by a consum] report+ ag5cy until ! lat] ( ! date t is #cfe days aft]-- 7i7 ! date on :i* ! p]son s5ds ! /atem5t2 7ii7 ) respect to ! m$ical debt ( a borr[] demon/rat+ h>d%ip1 a date det]m9$ by ! ,director ( ! ,bureau2 or 7iii7 ! date describ$ "u section #fje7;a77#aj72 & 7,b7 may n ev] be includ$ on a consum] report made by a consum] report+ ag5cy1 if ! m$ical debt arises f a m$ically necess>y proc$ure4 7#b7 ,a notification t1 if ! debt is settl$ or paid by ! consum] or an insurance company be=e ! end ( ! p]iod describ$ "u p>agraph 7#a77;,a71 ! debt may n be report$ to a consum] report+ ag5cy4 7#c7 ,a notification t ! consum] may-- 7,a7 communicate ) an insurance company to det]m9e cov]age = ! debt2 or 7,b7 apply = f9ancial assi/ance4 4 7b7 ,furni%+ ( m$ical debt in=mation ,section #fbc ( ! ,fair ,cr$it ,report+ ,act 7#ae ,u4,s4,c4 #afhas-#b71 z am5d$ by subsection 7a71 is fur!r am5d$ by add+ at ! end ! foll[+3 7g7 ,furni%+ ( m$ical debt in=mation 7#a7 ,prohibition on report+ debt relat$ to m$ically necess>y proc$ures ,no p]son %all furni% any in=mation to a consum] report+ ag5cy reg>d+ a debt aris+ f a m$ically necess>y proc$ure4 7#b7 ,treatm5t ( o!r m$ical debt in=mation ,) respect to a m$ical debt n describ$ "u p>agraph 7#a71 no p]son %all furni% any in=mation to a consum] report+ ag5cy reg>d+ su* debt be=e ! end ( ! #cfe-;day p]iod beg9n+ on ! lat] (-- 7,a7 ! date on :i* ! p]son s5ds ! /atem5t describ$ "u subsection 7f7 to ! consum]2 7,b7 ) respect to ! m$ical debt ( a borr[] demon/rat+ h>d%ip1 a date det]m9$ by ! ,director ( ! ,bureau2 or 7,c7 ! date describ$ 9 section #fje7;a77#aj74 7#c7 ,treatm5t ( settl$ or paid m$ical debt ,) respect to a m$ical debt n describ$ "u p>agraph 7#a71 no p]son %all furni% any in=mation to a consum] report+ ag5cy reg>d+ su* debt if ! debt is settl$ or paid by ! consum] or an insurance company be=e ! end ( ! #cfe-;day p]iod describ$ "u p>agraph 7#b74 7#d7 ,borr[] demon/rat+ h>d%ip def9$ ,9 ?is subsection1 & ) respect to a m$ical debt1 ! t]m borr[] demon/rat+ h>d%ip means a borr[] or a class ( borr[]s :o1 z det]m9$ by ! ,director ( ! ,bureau1 is fac+ or has exp]i5c$ unusual ext5uat+ life circum/ances or ev5ts t result 9 sev]e f9ancial or p]sonal b>ri]s su* t ! borr[] or class ( borr[]s does n h ! capacity to repay ! m$ical debt4 4 #e4 ,effective date ,?is ,act & ! am5dm5ts made by ?is ,act %all take effect on ! date t is #ahj days aft] ! date ( enactm5t ( ?is ,act4 ,am5d ! title s z to read3 ,a bill to am5d ! ,fair ,debt ,collection ,practices ,act to provide a timetable = ! collection ( m$ical debt by debt collectors1 to am5d ! ,fair ,cr$it ,report+ ,act to prohibit consum] report+ ag5cies f issu+ consum] reports conta9+ in=mation ab\t debts relat$ to m$ically necess>y proc$ures1 & = o!r purposes44 ,decemb] #ae1 #bjbj,report$ ) am5dm5ts1 committ$ to ! ,committee ( ! ,:ole ,h\se on ! ,/ate ( ! ,union1 & ord]$ to be pr9t$