Medical Debt Relief Act of 2021
Official title: 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 pa… Show full official titleShow less
Official title: 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 information, and for other purposes.
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Referred to the House Committee on Financial Services.
Medical Debt Relief Act of 2021
This bill modifies requirements related to the reporting of medical debt. Specifically, a consumer reporting agency is prohibited from adding medical debt information to a consumer credit report if the debt
- was fully paid or settled, or
- is less than a year old.
Additionally, a debt collector must notify the consumer prior to reporting medical debt to a consumer reporting agency.
- Introduced in House Formatted Text PDF Formatted XML
Cite this page
U.S. Congress. (2026). H.R. 773: Medical Debt Relief Act of 2021. 117th Congress. Open America. https://openamerica.io/bill/117-HR-773/
"H.R. 773: Medical Debt Relief Act of 2021." 117th Congress, 2026, Open America, https://openamerica.io/bill/117-HR-773/.
H.R. 773, 117th Cong. (2026), https://openamerica.io/bill/117-HR-773/.
[H.R. 773: Medical Debt Relief Act of 2021](https://openamerica.io/bill/117-HR-773/)