Congress·In Committee·H.R. 4827

Medical Debt Relief Act of 2025

Congress Proposes Ban on Medical Debt Appearing on Consumer Credit Reports

Jul 29, 2025·View on Congress.gov·Read full text

This bill is one vehicle in a longer effort. See the full story across every version.View effort →

StalledNext up: A house committeeNo action in 11 months

The Medical Debt Relief Act of 2025 is currently sitting in the House Committee on Financial Services. No action has been taken on this bill since July 2025, and it is considered stalled. The committee must review the bill before it can move forward, but most bills like this never receive a vote.

Legislative Progress

House

No action since July 2025

Senate

President

Law

How we got here

This bill’s path across every version that has carried it.

Reintroduced
Reintroduced from S. 3103 (118th), which died when its Congress ended.
S. 3103 (118th) →

Key Points

This bill, introduced by Representative Williams of Georgia, would stop medical bills from showing up on your credit report. Currently, unpaid medical bills can lower your credit score, making it harder to buy a car, rent an apartment, or get a credit card.
The plan defines medical debt as any money owed for healthcare services, products, or medical devices. It would ban credit bureaus from listing any negative information about these debts, even if the debt has been sent to a collection agency.
The Consumer Financial Protection Bureau would have one year to create new rules. These rules would strictly forbid banks and lenders from looking at your medical debt when they decide whether to give you a loan or a mortgage.
This change aims to help millions of Americans whose credit scores are hurt by healthcare costs they could not avoid. Because medical emergencies are often unexpected, supporters argue that these bills do not accurately show how responsible a person is with their money.

Economy FinanceHealthcare

Impact Analysis

Personal Impact

Scores run from -100 (strongly harmful) to +100 (strongly beneficial) for each group, combining impact, certainty, scope, and duration ratings of 1-5. How impact scoring works

Life & Work

Small business owners often use personal credit to secure business loans and lines of credit. If medical debt no longer appears on their credit reports, those who have unpaid medical bills would have an easier time accessing the financing they need to start or grow their businesses.

ImpactCertaintyScopeDurationSentiment

Programs

Disabilities

State Impacts

StateScoreImpactCertaintyScopeDurationSentiment

Scores: 1 = low, 5 = highSentiment: -5 to +5 (net benefit)

Milestones

2 milestones2 actions

Jul 29, 2025House

Referred to the House Committee on Financial Services.

Jul 29, 2025

Introduced in House

The bill was officially filed and given a number. It now enters the legislative queue.

No votes or news coverage recorded for this bill yet.

Source Information

Document Type

Congressional Bill

Official Title

Medical Debt Relief Act of 2025

Bill NumberHR 4827

Congress119th Congress

ChamberHouse of Representatives

Latest ActionReferred to the House Committee on Financial Services.

Data Sources

Congress.gov

Official legislative information

Read Full Bill Text

Sponsor

Cosponsors

(17)

D: 17

Analysis generated by AI. Always verify with official sources.