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HR 8536 116th Congress House

Fair Medical Debt Reporting Act

Official title: To amend the Fair Credit Reporting Act to delay the reporting of medical debt by consumer reporting agencies, and for other purposes.

Introduced: October 6, 2020 See on congress.gov
Finance and Financial Sector Consumer creditDebt collectionHealth care costs and insurance
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This bill died when the 116th Congress ended
It never became law before the 116th Congress (2019–2020) adjourned, and bills don't carry over to the next Congress. It would have to be reintroduced. You can still save it for reference, but it won't receive updates.
 Everywhere this bill has been 2 steps
Introduced
In committee
Reported out
Passed House
Passed Senate
To President
Became law
Oct 6, 2020
Referred to the House Committee on Financial Services.
Oct 6, 2020
Introduced in House
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 Latest action October 6, 2020

Referred to the House Committee on Financial Services.

 Plain-English summary Congressional Research Service

Fair Medical Debt Reporting Act

This bill prohibits credit reporting agencies from including certain medical debt on a consumer report. Specifically, agencies may not include on a report medical debt that has not been placed for collection, medical debt that was placed for collection within a year prior to the report, or medical debt fully paid or settled within a certain period of time.

Before a person provides information regarding a consumer's medical debt to a credit reporting agency, that person must notify the consumer of the restrictions regarding the reporting of medical debt and provide the consumer with details regarding the medical debt.

 Bill text 1 version

Source documents hosted by congress.gov.

 Committees of jurisdiction 1
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APA
U.S. Congress. (2026). H.R. 8536: Fair Medical Debt Reporting Act. 116th Congress. Open America. https://openamerica.io/bill/116-HR-8536/
MLA
"H.R. 8536: Fair Medical Debt Reporting Act." 116th Congress, 2026, Open America, https://openamerica.io/bill/116-HR-8536/.
Bluebook (legal)
H.R. 8536, 116th Cong. (2026), https://openamerica.io/bill/116-HR-8536/.
Markdown link
[H.R. 8536: Fair Medical Debt Reporting Act](https://openamerica.io/bill/116-HR-8536/)
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