,,ii  #aai? ,,congress  #b;d ,session   
,s4 #dfbb  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,may #ba1 #bjbf,mr4    
,k5n$y introduc$ ! 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 ! ,protect+ ,am]icans f      
,treatm5t-relat$ ,cr$it ,h>m ,act or !  
,,pat* ,act4  #b4 ,am5dm5ts to ,fair    
,cr$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 aris+ f ! receipt ( m$ical s]vices1
 products1 or devices4  4  7b7          
,exclusion = m$ical debt  7#a7 ,9 g5]al 
,section #fje7;a7 ( ! ,fair ,cr$it      
,report+ ,act 7#ae ,u4,s4,c4 #afha;c7a77
 is am5d$ by /rik+ p>agraph 7#f7 &      
ins]t+ ! foll[+3  7#f7 7,a7 ,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  7,b7    
,no?+ 9 subp>agraph 7,a7 may be con/ru$ 
to prev5t a consum] report+ ag5cy f     
collect+ ! in=mation describ$ 9 t       
subp>agraph4  4  7#b7 ,te*nical & con=m+
 am5dm5ts ,section #fjd7;g7 ( ! ,fair   
,cr$it ,report+ ,act 7#ae ,u4,s4,c4     
#afha;b7g77 is am5d$-- 7,a7 9 p>agraph  
7#a7-- 7i7 9 ! matt] prec$+ subp>agraph 
7,a71 by /rik+ 7o!r ?an m$ical contact  
in=mation treat$ 9 ! mann] requir$ "u   
section #fje7;a77#f772  7ii7 9          
subp>agraph 7,a71 by add+ or at ! end2  
7iii7 9 subp>agraph 7,b77ii71 by /rik+ 2
 or & ins]t+ a p]iod2 &  7iv7 by /rik+  
subp>agraph 7,c72 &  7,b7 9 p>agraph    
7#b71 by /rik+ 7o!r ?an m$ical in=mation
 treat$ 9 ! mann] requir$ "u section    
#fje7;a77#f774  #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