,i  #aafth ,,congress  #b;d ,session    
,h4 ,r4 #fdgj  ,,in ,,the ,,house ,,of  
,,representatives  ,april #g1 #bjbj,ms4 
,porter 7for herself1 ,ms4 ,de,lauro1   
,mr4 ,raskin1 ,mr4 ,sean ,patrick       
,maloney of ,new ,york1 ,mr4 ,garca of  
,illinois1 ,ms4 ,norton1 ,mrs4          
,napolitano1 ,ms4 ,tlaib1 ,mr4 ,clay1   
,ms4 ,barragn1 ,ms4 ,haaland1 ,ms4      
,escobar1 ,mr4 ,mc,govern1 ,mr4 ,rush1  
,ms4 ,bonamici1 ,ms4 ,velzquez1 ,mr4    
,doggett1 ,ms4 ,del,bene1 ,mr4 ,levin of
 ,michigan1 ,mr4 ,blumenauer1 ,mr4      
,kilmer1 ,mr4 ,correa1 ,mr4 ,pocan1 ,ms4
 ,snchez1 ,mr4 ,nadler1 ,mr4 ,soto1 ,mr4
 ,espaillat1 ,mr4 ,van ,drew1 ,mr4      
,brown of ,maryland1 ,mr4 ,de,fazio1    
,mr4 ,ryan1 ,mr4 ,castro of ,texas1 ,mr4
 ,takano1 ,mr4 ,serrano1 ,ms4 ,clarke of
 ,new ,york1 ,mr4 ,crdenas1 ,ms4 ,meng1 
,mr4 ,larson of ,connecticut1 ,ms4      
,omar1 ,mr4 ,ted ,lieu of ,california1  
,mr4 ,lynch1 ,ms4 ,scanlon1 ,mr4        
,neguse1 ,ms4 ,ocasio-,cortez1 ,mr4     
,johnson of ,georgia1 ,mrs4 ,hayes1 ,mr4

 ,malinowski1 ,mrs4 ,kirkpatrick1 ,mr4  
,lowenthal1 ,ms4 ,judy ,chu of          
,california1 ,mr4 ,levin of ,california1
 ,mr4 ,danny ,k4 ,davis of ,illinois1   
,ms4 ,jayapal1 ,mr4 ,cohen1 ,ms4 ,adams1
 ,mr4 ,rouda1 ,ms4 ,jackson ,lee1 ,ms4  
,schakowsky1 ,mr4 ,thompson of          
,mississippi1 ,mr4 ,harder of           
,california1 ,mr4 ,mc,eachin1 ,ms4      
,slotkin1 ,mr4 ,kennedy1 and ,ms4       
,craig7 introduced the following bill2  
which was referred to the ,committee on 
,financial ,services  ,a ,,bill  ,to    
amend the ,fair ,credit ,reporting ,act 
to institute a #a-year waiting period   
before medical debt will be reported on 
a consumer's credit report and to remove
 paid-off and settled medical debts from
 credit reports that have been fully    
paid or settled1 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 and for other      

purposes4  #a4 ,short title ,this ,act  
may be cited as the ,medical ,debt      
,relief ,act of #bjbj4  #b4 ,amendments 
to ,fair ,credit ,reporting ,act  7a7   
,medical debt defined ,section #fjc of  
the ,fair ,credit ,reporting ,act 7#ae  
,u4,s4,c4 #afha;a7 is amended by adding 
at the end the following3  7bb7 ,medical
 debt ,the term medical debt means a    
debt described in section               
#fjd7;g77#a77;,c74  4  7b7 ,exclusion   
for paid or settled medical debt        
,section #fje7;a7 of the ,fair ,credit  
,reporting ,act 7#ae ,u4,s4,c4          
#afha;c7a77 is amended by adding at the 
end the following3  7#i7 ,any           
information relating to a medical debt  
if the date on which the debt was placed
 for collection1 charged to profit or   
loss1 or subjected to any similar action
 antedates the report by less than #a   
year4  7#aj7 ,any information relating  
to a fully paid or settled medical debt 
that had been characterized as          
delinquent1 charged off1 or in          

collection which1 from the date of      
payment or settlement1 antedates the    
report by more than #de days4  4  #c4   
,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 ,act4  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  
date on which the person sends the      
statement4  7,b7 ,the specific date that
 is the end of the #a-year period       
beginning on the date on which the      
person sends the statement4  7,c7 ,a    
notification that1 if the debt is       
settled or paid by the consumer or an   
insurance company during the #a-year    
period beginning on the date on which   
the person sends the statement-- 7i7 the
 debt may not be reported to a consumer 
reporting agency2 and  7ii7 the consumer
 may1 during 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 during #a-year period
  7,a7 ,in general ,during the #a-year  
period described in paragraph 7#b71 no  
person may communicate with1 or report  
any information to1 any consumer        

reporting agency regarding a debt       
described in that paragraph4  7,b7 ,rule
 of construction ,nothing in            
subparagraph 7,a7 may be construed to   
affect when a debt collector may engage 
in activities to collect or attempt to  
collect any debt owed or due or asserted
 to be owed4  7#d7 ,reporting after 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#b7 with 
respect to the debt4  4