H.R.2362 - Medical Debt Relief Act of 2015114th Congress (2015-2016)
|Sponsor:||Rep. Carney, John C., Jr. [D-DE-At Large] (Introduced 05/15/2015)|
|Committees:||House - Financial Services|
|Latest Action:||House - 05/15/2015 Referred to the House Committee on Financial Services. (All Actions)|
This bill has the status Introduced
Here are the steps for Status of Legislation:
Summary: H.R.2362 — 114th Congress (2015-2016)All Information (Except Text)
Introduced in House (05/15/2015)
Medical Debt Act of 2015
This bill amends the Fair Credit Reporting Act to prohibit a consumer reporting agency from making any consumer report containing information related to: (1) a medical debt (arising from the receipt of medical services, products, or devises) if the date on which the debt was placed for collection, charged to profit or loss, or any similar action antedates the report by less than 180 days, or (2) a fully paid or settled medical debt that had been characterized as delinquent, charged off, or in collection which, from the date of payment or settlement, antedates the report by more than 45 days.
The bill also amends the Fair Debt Collection Practices Act to require a debt collector, before informing a consumer reporting agency regarding a medical debt, to notify the consumer in writing that: (1) the debt collector could report the debt to a consumer reporting agency 180 days after the notification is sent, specifying the precise end date of the period; (2) the debt will not be reported if it is settled or paid during the 180-day period; and (3) the consumer may, during the 180-day period, either communicate with an insurance company to determine coverage for the debt or apply for financial assistance.
The debt collector may not communicate with or report any information to a consumer reporting agency concerning such a debt during the 180-day period.