Sec. 302. Protecting veterans’ credit
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/bill/115/s/2155/is/section-302A research copy — for the controlling text, always check the official state or federal source. Not legal advice.
The purposes of this section are— to rectify problematic reporting of medical debt included in a consumer report of a veteran due to inappropriate or delayed payment for hospital care or medical services provided in a non-Department of Veterans Affairs facility under the laws administered by the Secretary of Veterans Affairs; and to clarify the process of debt collection for such medical debt. Section 603 of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ) is amended by adding at the end the following:
The term veteran has the meaning given the term in section 101 of title 38, United States Code. The term veteran’s medical debt — means a debt of a veteran arising from health care provided in a non-Department of Veterans Affairs facility under the laws administered by the Secretary of Veterans Affairs; and includes medical debt that the Department of Veterans Affairs has wrongfully charged a veteran. . Section 605(a) of the Fair Credit Reporting Act ( 15 U.S.C. 1681c(a) ) is amended by adding at the end the following:
Any information related to a veteran’s medical debt if the date on which the hospital care or medical services was rendered relating to the debt antedates the report by less than 1 year. Any information related to a fully paid or settled veteran’s medical debt that had been characterized as delinquent, charged off, or in collection. . Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) is amended— in subsection (a)(1)(A), by inserting and except as provided in subsection
(g)after subsection
(f); and by adding at the end the following: With respect to a veteran's medical debt of a consumer, the consumer may submit a notice described in paragraph
(2)along with proof of liability of the Department of Veterans Affairs for payment of that debt or documentation that the Department of Veterans Affairs is in the process of making payment for authorized medical services rendered to a consumer reporting agency or a reseller to dispute the inclusion of that debt on a consumer report of the consumer. The Department of Veterans Affairs shall submit to a veteran a notice that the Department of Veterans Affairs has assumed liability for part or all of a veteran's medical debt. If a consumer reporting agency receives notice and proof of liability or documentation under paragraph (1), the consumer reporting agency shall delete all information relating to the veteran’s medical debt from the file of the consumer and notify the furnisher and the consumer of that deletion. . The amendments made by this section shall take effect on the date that is 180 days after the date of enactment of this Act.
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