Sec. 403. Medical debt collections
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Section 605(a) of the Fair Credit Reporting Act ( 15 U.S.C. 1681c(a) ), as amended by section 402, is further amended by adding at the end the following new paragraph: Any other adverse item of information related to a fully paid or settled debt arising from the receipt of medical services, products, or devices that had been characterized as delinquent, charged off, or in collection which, from the date of payment or settlement, antedates the report by more than 45 calendar days. .
Section 605(a) of the Fair Credit Reporting Act ( 15 U.S.C. 1681c(a) ), as amended by subsection (a), is further amended by adding at the end the following new paragraph: Any information related to a debt arising from the receipt of medical services, products, or devices, if the date on which such debt was placed for collection, charged to profit or loss, or subjected to any similar action antedates the report by less than 365 calendar days. . Section 605(a) of the Fair Credit Reporting Act ( 15 U.S.C. 1681c(a) ), as amended by subsection (b), is further amended by adding at the end the following new paragraph:
Any information related to a debt arising from a medically necessary procedure. . Section 603 of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ), as amended by section 901, is further amended by adding at the end the following: The term medically necessary procedure means— health care services or supplies needed to diagnose or treat an illness, injury, condition, disease, or its symptoms and that meet accepted standards of medicine; and health care to prevent illness or detect illness at an early stage, when treatment is likely to work best (including preventive services such as pap tests, flu shots, and screening mammograms). .
Section 604(g)(1)(C) of the Fair Credit Reporting Act ( 15 U.S.C. 1681b(g)(1)(C) ) is further amended by striking devises and inserting devices .
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