,i  #aafth ,,congress  #b;d ,session    
,h4 ,r4 #hecf  ,,in ,,the ,,house ,,of  
,,representatives  ,october #f1         
#bjbj,mr4 ,gallagher introduced the     
following bill2 which was referred to   
the ,committee on ,financial ,services  
,a ,,bill  ,to amend the ,fair ,credit  
,reporting ,act to delay the reporting  
of medical debt by consumer reporting   
agencies1 and for other purposes4  #a4  
,short title ,this ,act may be cited as 
the ,fair ,medical ,debt ,reporting     
,act4  #b4 ,reporting of medical debt to
 consumer reporting agencies ,the ,fair 
,credit ,reporting ,act 7#ae ,u4,s4,c4  
#afha et seq47 is amended-- 7#a7 in     
section #fjc1 by adding at the end the  
following3  7bb7 ,medical debt ,the term
 medical debt means a debt arising from 
the receipt of medical services1        
products1 or devices4  2  7#b7 in       
section #fje7;a71 by adding at the end  
the following3  7#i7 ,any information   
relating to a medical debt if-- 7,a7 the
 debt has not been placed for           

collection1 charged to profit or loss1  
or subjected to any similar action2     
7,b7 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
 one year2 or  7,c7 the debt was fully  
paid or settled before the end of the   
one-year period beginning on the date   
described in subparagraph 7,a74  2 and  
7#c7 in section #fbc1 by adding at the  
end the following3  7f7 ,additional     
notice requirements for medical debt    
,before a person furnishes information  
relating to a medical debt of a consumer
 to a consumer reporting agency1 such   
person shall-- 7#a7 notify the consumer 
that no consumer reporting agency may   
make a consumer report containing any   
information relating to a medical debt  
if-- 7,a7 the debt has not been placed  
for collection1 charged to profit or    
loss1 or subjected to any similar       
action2 or  7,b7 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 one year2 and  7#b7 ensure    
that the consumer has been provided with
 a detailed accounting of such medical  
debt4  4