,,ii  #aahth ,,congress  #ast ,session  
,s4 #cajc  ,,in ,,the ,,senate ,,of     
,,the ,,united ,,states  ,october #ai1  
#bjbc,mr4 ,merkley 7for himself1 ,mr4   
,menendez1 ,mr4 ,fetterman1 and ,mr4    
,blumenthal7 introduced the following   
bill2 which was read twice and referred 
to the ,committee on ,banking1 ,housing1
 and ,urban ,affairs  ,a ,,bill  ,to    
amend the ,fair ,credit ,reporting ,act 
to prohibit the inclusion of medical    
debt on a consumer report1 and for other
 purposes4  #a4 ,short title ,this ,act 
may be cited as the ,medical ,debt      
,relief ,act of #bjbc4  #b4 ,amendments 
to ,fair ,credit ,reporting ,act  7a7   
,medical debt defined ,section #fjc of  
the ,fair ,credit ,reporting ,act 7#ae  
,u4,s4,c4 #afha;a7 is amended by adding 
at the end the following3  7bb7 ,medical
 debt ,the term medical debt means a    
debt related to1 in whole or in part1   
transactions1 accounts1 or balances     
arising from the receipt of medical     
services1 products1 or devices4  4  7b7 

,exclusion for medical debt ,section    
#fje7;a7 of the ,fair ,credit ,reporting
 ,act 7#ae ,u4,s4,c4 #afha;c7a77 is     
amended by adding at the end the        
following3  7#i7 ,any adverse           
information related to a medical debt1  
including a medical debt that was placed
 for collection1 charged to profit or   
loss1 or subjected to any similar       
action4  4  #c4 ,modification of        
regulations relating to prohibitions on 
use of medical debt information  7a7    
,definitions ,in this section1 the terms
 credit and creditor have the meanings  
given those terms in section #gjb of the
 ,equal ,credit ,opportunity ,act 7#ae  
,u4,s4,c4 #afia;a74  7b7 ,requirement   
,not later than #a year after the date  
of enactment of this ,act1 the ,director
 of the ,bureau of ,consumer ,financial 
,protection shall amend section #ajbb4cj
 of title #ab1 ,code of ,federal        
,regulations1 or any successor          
regulation1 to ensure that creditors are
 prohibited from obtaining or using     

information relating to the medical debt
 of a consumer in determining whether or
 not to extend credit to that consumer4