,,ii  #aaf? ,,congress  #a/ ,session    
,s4 #aeha  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,may #ba1 #bjai,mr4    
,m]kley 7= himself1 ,mr4 ,blum5?al1 ,ms4
 ,w>r51 ,mr4 ,m55dez1 & ,mr4 ,durb97    
introduc$ ! foll[+ bill2 :i* 0 read     
twice & ref]r$ to ! ,committee on       
,bank+1 ,h\s+1 & ,urban ,affairs  ,a    
,,bill  ,to am5d ! ,fair ,cr$it ,report+
 ,act to in/itute a #a-ye> wait+ p]iod  
be=e m$ical debt w be report$ on a      
consum]'s cr$it report & to remove      
paid-(f & settl$ m$ical debts f cr$it   
reports t h be5 fully paid or settl$1 to
 am5d ! ,fair ,debt ,collection         
,practices ,act to provide a timetable =
 v]ification ( m$ical debt & to increase
 ! effici5cy ( cr$it m>kets ) m p]fect  
in=mation1 & = o!r purposes4  #a4 ,%ort 
title ,?is ,act may be cit$ z ! ,m$ical 
,debt ,relief ,act ( #bjai4  #b4        
,am5dm5ts to ,fair ,cr$it ,report+ ,act 
7a7 ,m$ical debt def9$ ,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 describ$ 9    
section #fjd7;g77#a77;,c74  4  7b7      
,exclusion = paid or settl$ m$ical debt 
,section #fje7;a7 ( ! ,fair ,cr$it      
,report+ ,act 7#ae ,u4,s4,c4 #afha;c7a77
 is am5d$ by add+ at ! end ! foll[+3    
7#i7 ,any in=mation relat+ to a m$ical  
debt if ! date on :i* ! debt 0 plac$ =  
collection1 *>g$ to pr(it or loss1 or   
subject$ to any simil> action ant$ates !
 report by less ?an #a ye>4  7#aj7 ,any 
in=mation relat+ to a fully paid or     
settl$ m$ical debt t _h be5 *>act]iz$ z 
del9qu5t1 *>g$ (f1 or 9 collection :i*1 
f ! date ( paym5t or settlem5t1 ant$ates
 ! report by m ?an #de days4  4  #c4    
,am5dm5ts to ! ,fair ,debt ,collection  
,practices ,act  7a7 ,9 g5]al ,section  
#hji ( ! ,fair ,debt ,collection        
,practices ,act 7#ae ,u4,s4,c4 #afib;g7 
is am5d$ 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 ! date
 on :i* ! p]son s5ds ! /atem5t4  7,b7 ,!
 specific date t is ! end ( ! #a-ye>    
p]iod beg9n+ on ! date on :i* ! p]son   
s5ds ! /atem5t4  7,c7 ,a notification t1
 if ! debt is settl$ or paid by !       
consum] or an insurance company dur+ !  
#a-ye> p]iod beg9n+ on ! date on :i* !  
p]son s5ds ! /atem5t-- 7i7 ! debt may n 
be report$ to a consum] report+ ag5cy2 &
  7ii7 ! consum] may1 dur+ 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+ dur+ #a-ye> p]iod  7,a7 ,9 
g5]al ,dur+ ! #a-ye> p]iod describ$ 9   
p>agraph 7#b71 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 ,rule (    
con/ruction ,no?+ 9 subp>agraph 7,a7 may
 be con/ru$ to affect :5 a debt         
collector may engage 9 activities to    
collect or attempt to collect any debt  
ow$ or due or ass]t$ to be ow$4  7#d7   
,report+ aft] ! #a-ye> p]iod ,no?+ 9 ?is
 subsection %all prohibit a p]son f     
communicat+ )1 or report+ any in=mation 
to1 a consum] report+ ag5cy reg>d+ a    
m$ical debt ( a consum] aft] ! end ( !  
#a-ye> p]iod describ$ 9 p>agraph 7#b7 ) 
respect to ! debt4  4  #d4 ,effective   
date ,! am5dm5ts made by ?is ,act %all  
take effect on ! date t is #ahj days    
aft] ! date ( enactm5t ( ?is ,act4