1. (a)

   1. (1) In this section, “medical debt” means debt owed by a consumer to:

      1. (i) A person whose primary business is providing medical services, products, or devices; or
      2. (ii) The person's agent or assignee for the provision of medical services, products, or devices.

   2. (2) “Medical debt” includes medical bills that:

      1. (i) Are not past due; or
      2. (ii) Have already been paid.
   3. (3) “Medical debt” does not include debt charged to a credit card unless the credit card is issued under an open-end or closed-end credit plan offered solely for the payment of health care services.

2. (b)

   1. (1) A consumer reporting agency may not:

      1. (i) Make, create, or furnish any consumer report containing, incorporating, or reflecting:

         1. 1. Any adverse information that the consumer reporting agency knows or should know relates to medical debt incurred by the consumer; or
         2. 2. Any collection action against a consumer to collect medical debt; or

      2. (ii) Maintain in a file on a consumer any information relating to:

         1. 1. Medical debt incurred by the consumer; or
         2. 2. Any collection action against the consumer to collect medical debt.
   2. (2) The prohibitions established under paragraph (1) of this subsection apply regardless of when medical debt was incurred by a consumer.
3. (c) A person may not use medical debt information included in a consumer report to make a determination regarding the creditworthiness of the consumer.

Added by Acts 2025, c. 121, § 1, eff. Oct. 1, 2025.