Sec. 3. Amendments to the Fair Debt Collection Practices Act
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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: In this subsection: The term consumer reporting agency has the meaning given the term in 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. Before furnishing information regarding a medical debt of a consumer to a consumer reporting agency, the person furnishing the information shall send a statement to the consumer that includes the following:
A notification that the medical debt may not be reported to a consumer reporting agency until the end of the 180-day period beginning on the date on which the person sends the statement. The specific date that is the end of the 180-day period beginning on the date on which the person sends the statement. A notification that, if the debt is settled or paid by the consumer or an insurance company during the 180-day period beginning on the date on which the person sends the statement— the debt may not be reported to a consumer reporting agency; and the consumer may, during that 180-day period— communicate with an insurance company to determine coverage for the debt; or apply for financial assistance.
During the 180-day period described in paragraph (2), no person may communicate with, or report any information to, any consumer reporting agency regarding a debt described in that paragraph. Nothing in this paragraph may be construed to affect when a debt collector may 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 a person from communicating with, or reporting any information to, a consumer reporting agency regarding a medical debt of a consumer after the end of the 180-day period described in paragraph
(2)with respect to the debt. .
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Sec. 3
Amendments to the Fair Debt Collection Practices Act
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