,i  #aaf? ,,congress  #b;d ,session  ,h4
 ,r4 #hecf  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,octob] #f1 #bjbj,mr4 
,gallagh] introduc$ ! foll[+ bill2 :i* 0
 ref]r$ to ! ,committee on ,f9ancial    
,s]vices  ,a ,,bill  ,to am5d ! ,fair   
,cr$it ,report+ ,act to delay ! report+ 
( m$ical debt by consum] report+        
ag5cies1 & = o!r purposes4  #a4 ,%ort   
title ,?is ,act may be cit$ z ! ,fair   
,m$ical ,debt ,report+ ,act4  #b4       
,report+ ( m$ical debt to consum]       
report+ ag5cies ,! ,fair ,cr$it ,report+
 ,act 7#ae ,u4,s4,c4 #afha et seq47 is  
am5d$-- 7#a7 9 section #fjc1 by add+ at 
! end ! foll[+3  7bb7 ,m$ical debt ,!   
t]m m$ical debt means a debt aris+ f !  
receipt ( m$ical s]vices1 products1 or  
devices4  2  7#b7 9 section #fje7;a71 by
 add+ at ! end ! foll[+3  7#i7 ,any     
in=mation relat+ to a m$ical debt if--  
7,a7 ! debt has n be5 plac$ =           
collection1 *>g$ to pr(it or loss1 or   
subject$ to any simil> action2  7,b7 !  
date on :i* ! debt 0 plac$ = collection1

 *>g$ to pr(it or loss1 or subject$ to  
any simil> action ant$ates ! report by  
less ?an "o ye>2 or  7,c7 ! debt 0 fully
 paid or settl$ be=e ! end ( ! "o-ye>   
p]iod beg9n+ on ! date describ$ 9       
subp>agraph 7,a74  2 &  7#c7 9 section  
#fbc1 by add+ at ! end ! foll[+3  7f7   
,additional notice requirem5ts = m$ical 
debt ,be=e a p]son furni%es in=mation   
relat+ to a m$ical debt ( a consum] to a
 consum] report+ ag5cy1 su* p]son %all--
 7#a7 notify ! consum] t no consum]     
report+ ag5cy may make a consum] report 
conta9+ any in=mation relat+ to a m$ical
 debt if-- 7,a7 ! debt has n be5 plac$ =
 collection1 *>g$ to pr(it or loss1 or  
subject$ to any simil> action2 or  7,b7 
! date on :i* ! debt 0 plac$ =          
collection1 *>g$ to pr(it or loss1 or   
subject$ to any simil> action ant$ates !
 report by less ?an "o ye>2 &  7#b7     
ensure t ! consum] has be5 provid$ ) a  
detail$ acc\nt+ ( su* m$ical debt4  4