Sec. 3. Prohibition on consumer reporting agencies reporting certain medical debt
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Section 603 of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ) is amended by adding at the end the following: The term medical debt means a debt arising from the receipt of medical services, products, or devices. 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 605(a) of the Fair Credit Reporting Act ( 15 U.S.C. 1681c(a) ) is amended by adding at the end the following new paragraphs: Any information related to a debt arising from a medically necessary procedure. Any information related to a medical debt, 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. .
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Sec. 3
Prohibition on consumer reporting agencies reporting certain medical debt
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