What does Preamble of HR 4827 do?

This bill, formally titled 'To amend the Fair Credit Reporting Act to prohibit the inclusion of medical debt on a consumer report, and for other purposes,' aims to modify the Fair Credit Reporting Act. The bill intends to prohibit the inclusion of medical debt on consumer reports.

What does SHORT TITLE. of HR 4827 do?

This bill is formally titled the Medical Debt Relief Act of 2025.

What does AMENDMENTS TO FAIR CREDIT REPORTING ACT. of HR 4827 do?

This section amends the Fair Credit Reporting Act. It defines 'medical debt' as a debt related to medical services, products, or devices. It removes paragraph (6) from Section 605(a) and replaces it with language regarding adverse information related to medical debt. It makes technical and conforming amendments to Section 604(g) to align with the changes to medical debt reporting.

What does MODIFICATION OF REGULATIONS RELATING TO PROHIBITIONS ON USE OF of HR 4827 do?

This section modifies regulations related to prohibitions on the use of medical debt information. It defines 'credit' and 'creditor' according to section 702 of the Equal Credit Opportunity Act. The Director of the Bureau of Consumer Financial Protection must amend section 1022.30 of title 12, Code of Federal Regulations, within one year of the Act's enactment. The amendment aims to prohibit creditors from using information about a consumer's medical debt when deciding whether to extend credit.

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Medical Debt Relief Act of 2025 — HR. 4827

Last updated: 7/29/2025 · Introduced: 7/29/2025

Author: Nikema Williams (D-GA)

TL;DR (AI)

This bill prohibits the inclusion of medical debt on consumer reports, amending the Fair Credit Reporting Act.
It prevents creditors from using a consumer's medical debt information when making credit decisions.
The Bureau of Consumer Financial Protection must update regulations to align with these prohibitions within one year of enactment.

119th Congressin committeeOfficial page

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Includes provisions on preamble, short title., and 2 more.

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