Tap any paragraph to write a margin note. Your notes collect in the Desk below the text and file under cases with @. The side-by-side margin rail opens on a larger screen.

§
Marginalia
Code · BILL · 114th Congress · H.R. 2362 (Introduced in House) — To exclude from consumer credit reports certain medical debt that is less than 180 days delinquent or that has been i... · Sec. 3

Sec. 3. Validation of medical debt

321 words·~1 min read·/bill/114/hr/2362/ih/section-3

A research copy — for the controlling text, always check the official state or federal source. Not legal advice.

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. The term medical debt means a debt arising from the receipt of medical services, products, or devices. Prior to furnishing information regarding a medical debt to a consumer reporting agency, a statement described under subsection (a)(3) shall include the following information:
That the debt collector could report to a consumer reporting agency regarding the debt at the end of the 180-day period beginning on the date that the debt collector sends the statement. The specific date that is the end of the 180-day period beginning on the date that the debt collector sends the statement. That, if the debt is settled or paid by the consumer or an insurance company during the 180-day period beginning on the date that the debt collector sends the statement— the debt will not be reported to a consumer reporting agency; and the consumer may, during the 180-day period— communicate with an insurance company to determine coverage for the debt; or apply for financial assistance.
The debt collector may not, during the 180-day period beginning on the date that the debt collector sends the statement described under paragraph (2), 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 180-day period. .
Connectionstraces to 1
Traces to 1 document
Citation graph
cites case law
Sec. 3
Validation of medical debt
U.S.C.§ 1692g
Cites 1Cited by 0 across 0 sources
★   the supreme law of the land   ★
Don't Tread on Me
E Pluribus Unum — out of many, one

"If you don't know your rights, you don't have any."

Marginalia · a citizen's law index
A research desk, not legal advice. Always read the cited source before relying on a summary.
Questions or an issue? support@self-law.org
disclaimerMarginalia is a research index, not a law firm. Nothing on this site is legal, tax, or financial advice and no attorney–client relationship is formed by using it. Statutes, regulations, and case law change; summaries, search results, AI output, and member posts may be incomplete, out of date, or wrong. Any interpretation drawn from material on this site should be validated by a licensed attorney in your jurisdiction before you act on it.