Bill · H.R. 4827· House(119-HR-4827)
Medical Debt Relief Act of 2025
- Introduced
- 7/29/2025
- Last activity
- 7/29/2025 — Referred to the House Committee on Financial Services.
- Sponsored by
- Nikema Williams
- Cosponsors
- - 17 - 0
- Introduced
- In Committee
What this bill would do
This bill, titled the "Medical Debt Relief Act of 2025," seeks to amend the Fair Credit Reporting Act. It aims to prohibit the inclusion of medical debt on consumer reports. The legislation defines medical debt as debts arising from medical services, products, or devices. It also instructs the Director of the Bureau of Consumer Financial Protection to amend regulations. This change would prevent creditors from using medical debt information when deciding whether to extend credit to consumers.
Yes· 3 of 6
Does this give people more protection from unfair business practices?+7
The bill significantly enhances consumer protection by preventing medical debt from negatively impacting credit scores.
Would households on low incomes be better off under this?+6
Low-income households are disproportionately affected by medical debt and will benefit most from credit score protection.
Does this give the federal government more power?+5
The bill increases federal power by mandating new regulations through the CFPB.
The opposite
No question was scored the opposite.
Who it would affect, and how
Potential Positive Impacts for People
-
Prohibition of medical debt on consumer reports: This provision would prevent adverse information related to medical debt—including debt sent to collections or charged to profit or loss—from being included in consumer reports (Section 2(a) and Section 2(b)(1)).
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Restriction on creditor use of medical information: The bill requires the Director of the Bureau of Consumer Financial Protection to ensure creditors cannot obtain or use medical debt information to determine whether to extend credit to a consumer (Section 3(b)).
Potential Negative Impacts for People
- No specific negative impacts or burdens are mentioned in the provided text.
Groups and Interests Ranking
Every group the model scored this bill for, from -10 to +10. Hover a score for the reason it gave.
- Demographic And Interest Groups
- Good For Low Income Households+6Good For Middle Class Households+4
- Economy And Finance
- Improves Consumer Protection+7
- Governance And Ideology
- Increases Federal Power+5
- Social Issues And Justice
- Improves Poverty Reduction+4
- Healthcare
- Improves Healthcare Access+3
- 3/4/2026
- 1 Cosponsor added.
- 11/18/2025
- 1 Cosponsor added.
- 11/7/2025
- 1 Cosponsor added.
- 9/19/2025
- 1 Cosponsor added.
- 8/29/2025
- 1 Cosponsor added.
- 8/8/2025
- 3 Cosponsors added.
- 7/29/2025
- Referred to the House Committee on Financial Services.
- 9 Cosponsors added.
- Introduced in House
2 bills Congress.gov lists as related to this one — companions in the other chamber, earlier versions, and bills this one absorbed or was folded into.
J. CorreaDemocrat · California
Jesús GarcíaDemocrat · Illinois
Jonathan JacksonDemocrat · Illinois
Raja KrishnamoorthiDemocrat · Illinois
Timothy KennedyDemocrat · New York
John LarsonDemocrat · Connecticut
Summer LeeDemocrat · Pennsylvania
George LatimerDemocrat · New York
Seth MagazinerDemocrat · Rhode Island
Kevin MullinDemocrat · California
Jerrold NadlerDemocrat · New York
Alexandria Ocasio-CortezDemocrat · New York
Mark PocanDemocrat · Wisconsin
Mary Gay ScanlonDemocrat · Pennsylvania
Bennie ThompsonDemocrat · Mississippi
Rashida TlaibDemocrat · Michigan
Shri ThanedarDemocrat · Michigan