Sec. 3. Validation of medical debt
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Section 809 of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) is amended by adding at the end the following: For purposes of medical debt, the following shall apply: For purposes of this subsection: The term consumer reporting agency has the meaning given such term under section 603(f) of the Fair Credit Reporting Act. With respect to a medical debt, a consumer disputes the validity of such debt if the consumer states, in writing, that either— the consumer is continuing to communicate with an insurance company to determine coverage for the debt; the consumer disputes the amount or existence of the debt; or the consumer has applied for financial assistance, provides evidence of such application, and is awaiting a determination.
The term medical debt means a debt arising from the receipt of medical services, products, or devices. When sending a statement described under subsection (a)(3), the debt collector shall include the following information: That the debt collector could report to a consumer reporting agency regarding the debt, if the consumer does not respond to the notice within 30 days from the date on which the consumer received the statement. That, if the consumer does respond, the debt collector could report to a consumer reporting agency regarding the debt at the end of the 120-day period beginning on the date that the debt collector sends the statement.
The specific date that is the end of the 120-day period beginning on the date that the debt collector sends the statement. If the consumer notifies the debt collector, in writing, within the 30-day period described under subsection (a), that the consumer disputes the validity of the debt, the debt collector may not, during the 120-day period beginning on the date that the debt collector sends the written notice described under subsection (a), communicate with, or report any information to, any consumer reporting agency regarding such debt.
This paragraph shall have no effect on when a debt collector may or may not engage in activities to collect or attempt to collect any debt owed or due or asserted to be owed. Nothing in this subsection shall prohibit the debt collector from communicating with, or reporting any information to, any consumer reporting agency regarding such debt after the end of such 120-day period. . The amendment made by subsection
(a)shall take effect after the end of the 6-month period beginning on the date of the enactment of this Act.
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Sec. 3
Validation of medical debt
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