Medical Debt Relief Act of 2025
Congress Proposes Ban on Medical Debt Appearing on Consumer Credit Reports
Stalled
No legislative action in over 90 days.
Legislative Progress
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.
Impact Analysis
Personal Impact
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.
Programs
Disabilities
State Impacts
Milestones
Referred to the House Committee on Financial Services.
Introduced in House
The bill was officially filed and given a number. It now enters the legislative queue.
Votes
No votes have been recorded for this legislation yet.
News
No related news coverage found for this legislation yet.
Source Information
Document Type
Congressional Bill
Official Title
Medical Debt Relief Act of 2025
Data Sources
Sponsor
Cosponsors
(17)Analysis generated by AI. Always verify with official sources.