,,ii  #aah? ,,congress  #a/ ,session    
,s4 #cajc  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,octob] #ai1 #bjbc,mr4 
,m]kley 7= himself1 ,mr4 ,m55dez1 ,mr4  
,fett]man1 & ,mr4 ,blum5?al7 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$it ,report+ ,act to prohibit !
 inclusion ( m$ical debt on a consum]   
report1 & = o!r purposes4  #a4 ,%ort    
title ,?is ,act may be cit$ z ! ,m$ical 
,debt ,relief ,act ( #bjbc4  #b4        
,am5dm5ts to ,fair ,cr$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 relat$ to1 9  
:ole or 9 "p1 transactions1 acc\nts1 or 
balances aris+ f ! receipt ( m$ical     
s]vices1 products1 or devices4  4  7b7  
,exclusion = m$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      
adv]se in=mation relat$ to a m$ical     
debt1 includ+ a m$ical debt t 0 plac$ = 
collection1 *>g$ to pr(it or loss1 or   
subject$ to any simil> action4  4  #c4  
,modification ( regulations relat+ to   
prohibitions on use ( m$ical debt       
in=mation  7a7 ,def9itions ,9 ?is       
section1 ! t]ms cr$it & cr$itor h !     
mean+s giv5 ^? t]ms 9 section #gjb ( !  
,equal ,cr$it ,opportunity ,act 7#ae    
,u4,s4,c4 #afia;a74  7b7 ,requirem5t ,n 
lat] ?an #a ye> aft] ! date ( enactm5t (
 ?is ,act1 ! ,director ( ! ,bureau (    
,consum] ,f9ancial ,protection %all am5d
 section #ajbb4cj ( title #ab1 ,code (  
,f$]al ,regulations1 or any successor   
regulation1 to ensure t cr$itors are    
prohibit$ f obta9+ or us+ in=mation     
relat+ to ! m$ical debt ( a consum] 9   
det]m9+ :e!r or n to ext5d cr$it to t   
consum]4