Sec. 2. Amendments to the Fair Debt Collection Practices Act
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/bill/116/hr/5330/ih/section-2A 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: In this subsection: The term consumer reporting agency has the meaning given the term in section 603(f) of the Fair Credit Reporting Act ( 15 U.S.C. 1681a(f) ). 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 1-year period beginning on the later of— the date on which the person sends the statement; and the last date on which the consumer made any payment to the person with respect to the medical debt. A notification that, if the debt is settled or paid by the consumer or an insurance company before the end of the 1-year period described under subparagraph (A)— the debt may not be reported to a consumer reporting agency; and the consumer may, any time before the end of such that 1-year period— communicate with an insurance company to determine coverage for the debt; or apply for financial assistance.
Before the end of the 1-year period described in paragraph (2)(A), no person may communicate with, or report any information to, any consumer reporting agency regarding a debt described in that paragraph. 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 1-year period described in paragraph (2)(A) with respect to the debt. With respect to a medical debt, before the end of the 1-year period described in paragraph (2)(A), a debt collector may not engage in activities to collect or attempt to collect such medical debt owed or due or asserted to be owed. .
The amendment 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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