,,ii  #aaith ,,congress  #b;d ,session  
,s4 #dfbb  ,,in ,,the ,,senate ,,of     
,,the ,,united ,,states  ,may #ba1      
#bjbf,mr4 ,kennedy 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 ,protecting ,americans from         
,treatment-related ,credit ,harm ,act or
 the ,,patch ,act4  #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 arising from the receipt of medical
 services1 products1 or devices4  4  7b7
 ,exclusion for medical debt  7#a7 ,in  
general ,section #fje7;a7 of the ,fair  

,credit ,reporting ,act 7#ae ,u4,s4,c4  
#afha;c7a77 is amended by striking      
paragraph 7#f7 and inserting the        
following3  7#f7 7,a7 ,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  7,b7 ,nothing in subparagraph  
7,a7 may be construed to prevent a      
consumer reporting agency from          
collecting the information described in 
that subparagraph4  4  7#b7 ,technical  
and conforming amendments ,section      
#fjd7;g7 of the ,fair ,credit ,reporting
 ,act 7#ae ,u4,s4,c4 #afha;b7g77 is     
amended-- 7,a7 in paragraph 7#a7-- 7i7  
in the matter preceding subparagraph    
7,a71 by striking 7other than medical   
contact information treated in the      
manner required under section           
#fje7;a77#f772  7ii7 in subparagraph    
7,a71 by adding or at the end2  7iii7 in
 subparagraph 7,b77ii71 by striking 2 or
 and inserting a period2 and  7iv7 by   

striking subparagraph 7,c72 and  7,b7 in
 paragraph 7#b71 by striking 7other than
 medical information treated in the     
manner required under section           
#fje7;a77#f774  #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