I 

118TH CONGRESS 

2D SESSION H. R. 9890 

To amend the Fair Credit Reporting Act to require reporting certain positive 

consumer credit information, and for other purposes. 

IN THE HOUSE OF REPRESENTATIVES 

OCTOBER 1, 2024 

Mr. BACON (for himself and Ms. PEREZ) introduced the following bill; which 

was referred to the Committee on Financial Services 

A BILL 

To amend the Fair Credit Reporting Act to require reporting 

certain positive consumer credit information, and for 

other purposes. 

1 Be it enacted by the Senate and House of Representa2 tives of the United States of America in Congress assembled, 

3 SECTION 1. SHORT TITLE. 

4 This Act may be cited as the ‘‘Reporting Medical 

5 Debt Payments as Positive Consumer Credit Information 

6 Act of 2024’’. 


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1 SEC. 2. POSITIVE CREDIT REPORTING OF MEDICAL DEBT 

2 PAYMENTS PERMITTED. 

3 (a) IN GENERAL.—Section 623 of the Fair Credit 

4 Reporting Act (15 U.S.C. 1681s–2) is amended by adding 

5 at the end the following: 

6 ‘‘(f) POSITIVE CREDIT REPORTING OF MEDICAL

7 DEBT PAYMENTS.— 

8 ‘‘(1) TREATMENT OF PAID OR SETTLED MED9 ICAL DEBT.—A furnisher of medical debt informa10 tion may furnish to a consumer reporting agency in11 formation relating to medical debt paid or settled by 

12 a consumer which antedates the consumer report of 

13 the consumer by one year. 

14 ‘‘(2) TREATMENT OF MEDICAL DEBT PAYMENT

15 PLAN.—A furnisher of medical debt information may 

16 furnish to a consumer reporting agency information 

17 relating to the satisfactory performance of a con18 sumer meeting the obligations of a payment plan for 

19 a medical debt owned by such furnisher if— 

20 ‘‘(A) such furnisher and the consumer 

21 have entered into a payment plan with respect 

22 to the medical debt; and 

23 ‘‘(B) the consumer is meeting the obliga24 tions of the payment plan, as determined by 

25 such furnisher. 


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1 ‘‘(3) REASONABLE PROCEDURES FOR POSITIVE

2 CONSUMER CREDIT INFORMATION FROM FUR3 NISHERS OF MEDICAL DEBT.—Consumer reporting 

4 agencies and credit score providers shall adopt rea5 sonable procedures for positive information relating 

6 to a consumer’s medical debt described in this sub7 section so that such information is— 

8 ‘‘(A) included in a consumer report; 

9 ‘‘(B) utilized in the generation of any cred10 it score; and 

11 ‘‘(C) provided to users of consumer reports 

12 and credit scores in a manner which is fair and 

13 equitable to the consumer in accordance with 

14 the requirements of this title. 

15 ‘‘(4) DEFINITIONS.—In this subsection: 

16 ‘‘(A) CREDIT SCORE.—The term ‘credit 

17 score’ has the meaning given in section 

18 609(f)(2). 

19 ‘‘(B) CREDIT SCORE PROVIDER.—The 

20 term ‘credit score provider’ means an entity 

21 that generates and makes available a credit 

22 score to a person. 

23 ‘‘(C) FURNISHER OF MEDICAL DEBT IN24 FORMATION.—The term ‘furnisher of medical 

25 debt information’ means an entity that— 


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1 ‘‘(i) owns a medical debt; and 

2 ‘‘(ii) provides to a consumer reporting 

3 agency information relating to trans4 actions, accounts, balances, repayment 

5 terms, repayment history, and similar in6 formation relating to such medical debt. 

7 ‘‘(D) MEDICAL DEBT.—The term ‘medical 

8 debt’ means a debt arising from the receipt of 

9 medical services, products, or devices.’’. 

Æ 


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