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Congress·In Committee·H.R. 4827

Congress Proposes Ban on Medical Debt Appearing on Consumer Credit Reports

Medical Debt Relief Act of 2025

8 months ago·View on Congress.gov·Read full text
⏸

Stalled

No legislative action in over 90 days.

Legislative Progress

House
Senate
President
Law

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

State Impacts

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

Related Bills

1 bill
S. 2519Identical bill

Medical Debt Relief Act of 2025

Jul 29 — Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

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.
Read Full Bill Text

Sponsor

Cosponsors

(17)
D: 17

Analysis generated by AI. Always verify with official sources.