An Act Regarding Credit Ratings Related to Overdue Medical Expenses
Maine Legislature, Session 129, LD 0110
Committee Amendment CA_A_H89 (House)
Amends: 10 MRSA §1310-H

COMMITTEE AMENDMENT " fl,, to H.P. 92, L.D. 110, Bill, "An Act Regarding 
Credit Ratings Related to Overdue Medical Expenses" 
Amend the bill by striking out all of section 2 and inserting the following: 
'Sec. 2. 10 MRSA §1310-H, sub-§4 is enacted to read: 
4. Reporting of medical expenses on a consumer report. Notwithstanding any 
provision of federal law, a consumer reporting agency shall comply with the following 
provisions with respect to the reporting of medical expenses on a consumer report. 
A. A consumer reporting agency may not report debt from medical expenses on a 
consumer's consumer report when the date of the first delinquency on the debt is less 
than 180 days prior to the date that the debt is reported. 
B. Upon the receipt of reasonable evidence from the consumer, creditor or debt 
collector that a debt from medical expenses has been settled in full 01· paid in full, a 
consumer reporting agency: 
(1) May not report that debt from medical expenses: and 
(2) Shall remove or suppress the report of that debt from medical expenses on 
the consumer's consumer report. 
C. As long as the consumer is making regular, scheduled periodic payments toward 
the debt from medical expenses reported to the consumer reporting agency as agreed 
upon by the consumer and medical provider, the consumer reporting agency shall 
report that debt from medical expenses on the consumer's consumer report in the 
same manner as debt related to a consumer credit transaction is reported.' 
Amend the bill by relettering or renumbering any nonconsecutive Part letter or 
section number to read consecutively. 
COMMITTEE AMENDMENT 
COMMITTEE AMENDMENT ,A,, to H.P. 92, L.D. 110 
SUMMARY 
This amendment is the majority report of the committee. The amendment does the 
following. 
It prohibits a consumer reporting agency from reporting debt from medical expenses 
on a consumer's consumer report when the date of the first delinquency on the debt is less 
than 180 days prior to the date that the debt is reported. 
It requires that a consumer reporting agency remove medical debt on a consumer's 
consumer report once the credit reporting agency receives information that the debt has 
been settled in full or paid in full. 
If a medical debt is reported to a consumer repo1ting agency, it requires the consumer 
reporting agency to report that debt in the same manner as debt related to a consumer 
credit transaction is reported as long as the consumer is making regular, scheduled 
periodic payments toward the debt as agreed upon by the consumer and medical provider. 
FISCAL NOTE REQUIRED 
(See attached) 
COMMITTEE AMENDMENT 
Approved: 03/07/19 wac 
LD 110 
LR 901(02) 
An Act Regarding Credit Ratings Related to Overdue Medical Expenses 
Fiscal Note for Bill as Amended by Committee Amendment ,f/, { fJ-1 
Committee: Health Coverage, Insurance and Financial Services 
Fiscal Note Required: Yes 
Fiscal Note 
Minor cost increase - Other Special Revenue Funds 
Fiscal Detail and Notes 
Any additional costs to the Bureau of Consumer Credit Protection within the Department of Professional and 
Financial Regulation are expected to be minor and can be absorbed within existing budgeted resources. 
LR0901 (02) - Fiscal Note - Page 1 of 1