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. 
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 ‘‘Reporting Medical 
Debt Payments as Positive Consumer Credit Information 
Act of 2024’’. 
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SEC. 2. POSITIVE CREDIT REPORTING OF MEDICAL DEBT 
PAYMENTS PERMITTED. 
(a) IN GENERAL.—Section 623 of the Fair Credit 
Reporting Act (15 U.S.C. 1681s–2) is amended by adding 
at the end the following: 
‘‘(f) POSITIVE CREDIT REPORTING
OF MEDICAL 
DEBT PAYMENTS.— 
‘‘(1) TREATMENT OF PAID OR SETTLED MED-
ICAL DEBT.—A furnisher of medical debt informa-
tion may furnish to a consumer reporting agency in-
formation relating to medical debt paid or settled by 
a consumer which antedates the consumer report of 
the consumer by one year. 
‘‘(2) TREATMENT OF MEDICAL DEBT PAYMENT 
PLAN.—A furnisher of medical debt information may 
furnish to a consumer reporting agency information 
relating to the satisfactory performance of a con-
sumer meeting the obligations of a payment plan for 
a medical debt owned by such furnisher if— 
‘‘(A) such furnisher and the consumer 
have entered into a payment plan with respect 
to the medical debt; and 
‘‘(B) the consumer is meeting the obliga-
tions of the payment plan, as determined by 
such furnisher. 
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‘‘(3) REASONABLE PROCEDURES FOR POSITIVE 
CONSUMER
CREDIT
INFORMATION
FROM
FUR-
NISHERS OF MEDICAL DEBT.—Consumer reporting 
agencies and credit score providers shall adopt rea-
sonable procedures for positive information relating 
to a consumer’s medical debt described in this sub-
section so that such information is— 
‘‘(A) included in a consumer report; 
‘‘(B) utilized in the generation of any cred-
it score; and 
‘‘(C) provided to users of consumer reports 
and credit scores in a manner which is fair and 
equitable to the consumer in accordance with 
the requirements of this title. 
‘‘(4) DEFINITIONS.—In this subsection: 
‘‘(A) CREDIT
SCORE.—The term ‘credit 
score’ has the meaning given in section 
609(f)(2). 
‘‘(B) 
CREDIT
SCORE
PROVIDER.—The 
term ‘credit score provider’ means an entity 
that generates and makes available a credit 
score to a person. 
‘‘(C) FURNISHER OF MEDICAL DEBT IN-
FORMATION.—The term ‘furnisher of medical 
debt information’ means an entity that— 
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‘‘(i) owns a medical debt; and 
‘‘(ii) provides to a consumer reporting 
agency information relating to trans-
actions, accounts, balances, repayment 
terms, repayment history, and similar in-
formation relating to such medical debt. 
‘‘(D) MEDICAL DEBT.—The term ‘medical 
debt’ means a debt arising from the receipt of 
medical services, products, or devices.’’. 
Æ 
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