I 
119TH CONGRESS 
1ST SESSION H. R. 4827 
To amend the Fair Credit Reporting Act to prohibit the inclusion of medical 
debt on a consumer report, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
JULY 29, 2025 
Ms. WILLIAMS of Georgia (for herself, Mr. CORREA, Mr. KRISHNAMOORTHI, 
Ms. SCANLON, Mr. KENNEDY of New York, Mr. GARCI´A of Illinois, Mr. 
THOMPSON
of Mississippi, Mr. POCAN, Mr. MULLIN, and Mr. 
THANEDAR) introduced the following bill; which was referred to the Com-
mittee on Financial Services 
A BILL 
To amend the Fair Credit Reporting Act to prohibit the 
inclusion of medical debt on a consumer report, and 
for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Medical Debt Relief 
Act of 2025’’. 
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SEC. 2. AMENDMENTS TO FAIR CREDIT REPORTING ACT. 
(a) MEDICAL DEBT DEFINED.—Section 603 of the 
Fair Credit Reporting Act (15 U.S.C. 1681a) is amended 
by adding at the end the following: 
‘‘(bb) MEDICAL DEBT.—The term ‘medical debt’ 
means a debt related to, in whole or in part, transactions, 
accounts, or balances arising from the receipt of medical 
services, products, or devices.’’. 
(b) EXCLUSION FOR MEDICAL DEBT.— 
(1) IN GENERAL.—Section 605(a) of the Fair 
Credit Reporting Act (15 U.S.C. 1681c(a)) is 
amended by striking paragraph (6) and inserting the 
following: 
‘‘(6) Any adverse information related to a medical 
debt, including a medical debt that was placed for collec-
tion, charged to profit or loss, or subjected to any similar 
action.’’. 
(2) TECHNICAL
AND
CONFORMING
AMEND-
MENTS.—Section 604(g) of the Fair Credit Report-
ing Act (15 U.S.C. 1681b(g)) is amended— 
(A) in paragraph (1)— 
(i) in the matter preceding subpara-
graph (A), by striking ‘‘(other than med-
ical contact information treated in the 
manner 
required 
under 
section 
605(a)(6))’’; 
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(ii) in subparagraph (A), by adding 
‘‘or’’ at the end; 
(iii) in subparagraph (B)(ii), by strik-
ing ‘‘; or’’ and inserting a period; and 
(iv) by striking subparagraph (C); and 
(B) in paragraph (2), by striking ‘‘(other 
than medical information treated in the manner 
required under section 605(a)(6))’’. 
SEC. 3. MODIFICATION OF REGULATIONS RELATING TO 
PROHIBITIONS ON USE OF MEDICAL DEBT IN-
FORMATION. 
(a) DEFINITIONS.—In this section, the terms ‘‘cred-
it’’ and ‘‘creditor’’ have the meanings given those terms 
in section 702 of the Equal Credit Opportunity Act (15 
U.S.C. 1691a). 
(b) REQUIREMENT.—Not later than 1 year after the 
date of enactment of this Act, the Director of the Bureau 
of Consumer Financial Protection shall amend section 
1022.30 of title 12, Code of Federal Regulations, or any 
successor regulation, to ensure that creditors are prohib-
ited from obtaining or using information relating to the 
medical debt of a consumer in determining whether or not 
to extend credit to that consumer. 
Æ 
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