,i  #aah? ,,congress  #b;d ,session  ,h4
 ,r4 #geae  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,m>* #a1 #bjbd,mr4    
,johnson ( ,s\? ,dakota 7= himself1 ,ms4
 ,s*ri]1 ,mrs4 ,rodg]s ( ,wa%+ton1 ,ms4 
,leg] ,f]n&ez1 & ,mr4 ,z9ke7 introduc$ !
 foll[+ bill2 :i* 0 ref]r$ to !         
,committee on ,f9ancial ,s]vices  ,a    
,,bill  ,to am5d ! ,fair ,cr$it ,report+
 ,act to delay ! inclusion 9 consum]    
cr$it reports & to e/abli% requirem5ts =
 debt collectors ) respect to m$ical    
debt in=mation ( ,native ,am]icans due  
to inappropriate or delay$ bill+ paym5ts
 or reimbursem5ts f ! ,indian ,heal?    
,s]vice1 & = o!r purposes4  #a4 ,%ort   
title ,?is ,act may be cit$ z !         
,protect+ ,native ,am]icans' ,cr$it ,act
 ( #bjbd4  #b4 ,am5dm5ts to ,fair ,cr$it
 ,report+ ,act  7a7 ,native am]ican's   
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 ,native ,am]ican ,!
 t]m ,native ,am]ican has ! mean+ giv5 !

 t]m ,indians or ,indian 9 section #afjc
 ( title #be1 ,unit$ ,/ates ,code1 &    
fur!r includes ! t]m ,cali=nia ,indian z
 def9$ 9 t section4  7cc7 ,native       
,am]ican's m$ical debt ,! t]m ,native   
,am]ican's m$ical debt-- 7#a7 means a   
debt ( a ,native ,am]ican aris+ f heal? 
c>e provid$ 9 a non-,indian ,heal?      
,s]vice facility t 0 au?oriz$ by an     
employee ( ! ,indian ,heal? ,s]vice2 &  
7#b7 includes m$ical debt t ! ,secret>y 
( ,heal? & ,human ,s]vices has          
wrongfully *>g$ a ,native ,am]ican4  4  
7b7 ,exclusion = ,native ,am]ican's     
m$ical debt ,section #fje7;a7 ( ! ,fair 
,cr$it ,report+ ,act 7#ae ,u4,s4,c4     
#afha;c7 is am5d$ by add+ at ! end !    
foll[+3  7#i7 ,any in=mation relat$ to a
 ,native ,am]ican's m$ical debt if !    
date on :i* ! hospital c>e or m$ical    
s]vices 0 r5d]$ relat+ to ! debt        
ant$ates ! report by less ?an #a ye>4   
7#aj7 ,any in=mation relat$ to a fully  
paid or settl$ ,native ,am]ican's m$ical
 debt t _h be5 *>act]iz$ z del9qu5t1    

*>g$ (f1 or 9 collection4  4  7c7       
,removal ( ,native ,am]ican's m$ical    
debt f consum] report ,section #faa ( ! 
,fair ,cr$it ,report+ ,act 7#ae         
,u4,s4,c4 #afha;i7 is am5d$-- 7#a7 9    
subsection 7a77#a77;,a7 by /rik+ &      
except z provid$ 9 subsection 7g7 &     
ins]t+ & except z provid$ 9 subsections 
7g7 & 7h72 &  7#b7 by add+ at ! end !   
foll[+3  7h7 ,dispute process = ,native 
,am]ican's m$ical debt  7#a7 ,9 g5]al ,)
 respect to a ,native ,am]ican's m$ical 
debt ( a consum]1 ! consum] may submit a
 notice along ) pro( ( liability ( !    
,dep>tm5t ( ,heal? & ,human ,s]vices =  
paym5t ( t debt or docum5tation t !     
,indian ,heal? ,s]vice is 9 ! process ( 
mak+ paym5t = au?oriz$ m$ical s]vices   
r5d]$ to a consum] report+ ag5cy or a   
resell] to dispute ! inclusion ( t debt 
on a consum] report ( ! consum]4  7#b7  
,notification to native am]ican ,!      
,dep>tm5t ( ,heal? & ,human ,s]vices    
%all submit to a ,native ,am]ican a     
notice t ! ,dep>tm5t ( ,heal? & ,human  

,s]vices has assum$ liability = "p or   
all ( a ,native ,am]ican's m$ical debt4 
7#c7 ,deletion ( in=mation f file ,if a 
notice & pro( ( liability or            
docum5tation is receiv$ "u p>agraph     
7#a71 ! consum] report+ ag5cy %all      
delete all in=mation relat+ to ! ,native
 ,am]ican's m$ical debt f ! file ( !    
consum] & notify ! furni%] & ! consum] (
 t deletion4  4  #c4 ,effective date ,! 
am5dm5ts made by ?is ,act %all take     
effect on ! date t is #ij days aft] !   
date ( enactm5t ( ?is ,act4