,i  #aag? ,,congress  #a/ ,session  ,h4 
,r4 #ggc  ,,9 ,,! ,,h\se ,,(            
,,repres5tatives  ,febru>y #c1 #bjba,ms4
 ,port] 7= h]self1 ,ms4 ,s*ak[sky1 ,mr4 
,lyn*1 ,ms4 ,b>ragn1 ,ms4 ,norton1 ,mr4 
,mal9[ski1 ,ms4 ,scanlon1 ,mr4 ,kildee1 
,ms4 ,bonamici1 ,mr4 ,doggett1 ,mr4     
,trone1 ,mr4 ,crd5as1 ,mr4 ,ryan1 ,mr4  
,pocan1 ,ms4 ,sn*ez1 ,mr4 ,smi? (       
,wa%+ton1 ,mr4 ,ru%1 ,mr4 ,l>son (      
,connecticut1 ,ms4 ,tlaib1 ,mr4 ,l[5?al1
 ,mr4 ,de,fazio1 ,ms4 ,de,gette1 ,mrs4  
,napolitano1 ,ms4 ,jayapal1 ,mr4 ,rask91
 ,mr4 ,coh51 ,mr4 ,johnson ( ,georgia1  
,mrs4 ,hayes1 ,ms4 ,spanb]g]1 ,mr4      
,blum5au]1 ,mr4 ,mc,govern1 ,mr4        
,neguse1 ,mr4 ,g>ca ( ,ill9ois1 ,ms4    
,jackson ,lee1 ,ms4 ,mc,collum1 ,ms4    
,lee ( ,cali=nia1 ,mr4 ,tonko1 ,ms4     
,om>1 ,mr4 ,c>son1 ,mr4 ,takano1 ,mr4   
,jones1 ,ms4 ,m5g1 ,mrs4 ,watson        
,coleman1 ,mr4 ,lawson ( ,florida1 ,mr4 
,cr[1 & ,mr4 ,lev9 ( ,cali=nia7         
introduc$ ! foll[+ bill2 :i* 0 ref]r$ to
 ! ,committee on ,f9ancial ,s]vices  ,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$ical 
,debt ,relief ,act ( #bjba4  #b4        
,am5dm5ts to ,fair ,cr$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+ ,act4  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