I 
116TH CONGRESS 
2D SESSION 
H. R. 6470 
To amend the Fair Credit Reporting Act to institute a 1-year waiting period 
before medical debt will be reported on a consumer’s credit report and 
to remove paid-off and settled medical debts from credit reports that 
have been fully paid or settled, to amend the Fair Debt Collection 
Practices Act to provide a timetable for verification of medical debt 
and to increase the efficiency of credit markets with more perfect infor-
mation, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
APRIL 7, 2020 
Ms. PORTER (for herself, Ms. DELAURO, Mr. RASKIN, Mr. SEAN PATRICK 
MALONEY of New York, Mr. GARCI´A of Illinois, Ms. NORTON, Mrs. 
NAPOLITANO, Ms. TLAIB, Mr. CLAY, Ms. BARRAGA´N, Ms. HAALAND, Ms. 
ESCOBAR, Mr. MCGOVERN, Mr. RUSH, Ms. BONAMICI, Ms. VELA´ZQUEZ, 
Mr. DOGGETT, Ms. DELBENE, Mr. LEVIN of Michigan, Mr. BLU-
MENAUER, Mr. KILMER, Mr. CORREA, Mr. POCAN, Ms. SA´NCHEZ, Mr. 
NADLER, Mr. SOTO, Mr. ESPAILLAT, Mr. VAN DREW, Mr. BROWN of 
Maryland, Mr. DEFAZIO, Mr. RYAN, Mr. CASTRO of Texas, Mr. TAKANO, 
Mr. SERRANO, Ms. CLARKE of New York, Mr. CA´RDENAS, Ms. MENG, 
Mr. LARSON of Connecticut, Ms. OMAR, Mr. TED LIEU of California, Mr. 
LYNCH, Ms. SCANLON, Mr. NEGUSE, Ms. OCASIO-CORTEZ, Mr. JOHNSON 
of Georgia, Mrs. HAYES, Mr. MALINOWSKI, Mrs. KIRKPATRICK, Mr. 
LOWENTHAL, Ms. JUDY CHU of California, Mr. LEVIN of California, Mr. 
DANNY K. DAVIS of Illinois, Ms. JAYAPAL, Mr. COHEN, Ms. ADAMS, Mr. 
ROUDA, Ms. JACKSON LEE, Ms. SCHAKOWSKY, Mr. THOMPSON of Mis-
sissippi, Mr. HARDER of California, Mr. MCEACHIN, Ms. SLOTKIN, Mr. 
KENNEDY, and Ms. CRAIG) introduced the following bill; which was re-
ferred to the Committee on Financial Services 
A BILL 
To amend the Fair Credit Reporting Act to institute a 1- 
year waiting period before medical debt will be reported 
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on a consumer’s credit report and to remove paid-off 
and settled medical debts from credit reports that have 
been fully paid or settled, to amend the Fair Debt Collec-
tion Practices Act to provide a timetable for verification 
of medical debt and to increase the efficiency of credit 
markets with more perfect 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 ‘‘Medical Debt Relief 
Act of 2020’’. 
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 described in section 604(g)(1)(C).’’. 
(b) EXCLUSION FOR PAID OR SETTLED MEDICAL 
DEBT.—Section 605(a) of the Fair Credit Reporting Act 
(15 U.S.C. 1681c(a)) is amended by adding at the end 
the following: 
‘‘(9) Any information relating to a medical debt if 
the date on which the debt was placed for collection, 
charged to profit or loss, or subjected to any similar action 
antedates the report by less than 1 year. 
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