Sec. 302. Protecting veterans’ credit
922 words·~4 min read·
/bill/115/s/2155/rs/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 means a medical collection debt of a veteran owed to a health care provider in a non-Department of Veterans Affairs facility that was submitted to the Department of Veterans Affairs for repayment by the Veterans Choice Fund established by section 802 of the Veterans Access, Choice, and Accountability Act of 2014 ( 38 U.S.C. 1701 note); and includes medical collection 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 With respect to a consumer reporting agency described in section 603(p), 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 if the consumer reporting agency has actual knowledge that the information is related to a veteran’s medical debt and the consumer reporting agency is in compliance with its obligation under section 302(c)(5) of the .
Economic Growth, Regulatory Relief, and Consumer Protection Act Any With respect to a consumer reporting agency described in section 603(p), any information related to a fully paid or settled veteran’s medical debt that had been characterized as delinquent, charged off, or in collection if the consumer reporting agency has actual knowledge that the information is related to a veteran’s medical debt and the consumer reporting agency is in compliance with its obligation under section 302(c)(5) of the .
Economic Growth, Regulatory Relief, and Consumer Protection Act . 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 , the veteran 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 veteran . 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 veteran and notify the furnisher and the consumer veteran of that deletion. . For purposes of this subsection— the term consumer reporting agency means a consumer reporting agency described in section 603(p) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a(p) ); and the terms veteran and veteran’s medical debt have the meanings given those terms in section 603 of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ), as added by subsection (b)(1). Not later than 1 year after the date of enactment of this Act, the Secretary of Veterans Affairs shall establish a database to allow consumer reporting agencies to verify whether a debt furnished to a consumer reporting agency is a veteran’s medical debt. The Secretary of Veterans Affairs shall ensure that the database established under paragraph
(2)provides consumer reporting agencies with— sufficiently detailed and specific information to verify whether a debt being furnished to the consumer reporting agency is a veteran’s medical debt; access to verification information in a secure electronic format; timely access to verification information; and any other features that would promote the efficient, timely, and secure delivery of information that consumer reporting agencies could use to verify whether a debt is a veteran’s medical debt. Prior to establishing the database for verification under paragraph (2), the Secretary of Veterans Affairs shall publish in the Federal Register a notice and request for comment that solicits input from consumer reporting agencies and other stakeholders. Provided the database established under paragraph
(2)is fully functional and the data available to consumer reporting agencies, a consumer reporting agency shall use the database as a means to identify a veteran’s medical debt pursuant to paragraphs
(7)and
(8)of section 605(a) of the Fair Credit Reporting Act ( 15 U.S.C. 1681c(a) ), as added by subsection (b)(2).
(d)The amendments made by this section shall take effect on the date that is 180 days 1 year after the date of enactment of this Act.
Connectionstraces to 4
Citation graph
cites case law
Cites 4Cited by 0 across 0 sources