SB 3298

Abstract

Amends the Consumer Fraud and Deceptive Business Practices Act. Provides that a person shall not report to a consumer reporting agency any medical debt incurred by a consumer or any collection action against the consumer to collect medical debt. Provides that a consumer reporting agency shall not make, create, or furnish any consumer report or credit report containing, incorporating, or reflecting any adverse information that the consumer reporting agency knows or should know relates to medical debt incurred by the consumer or a collection action against the consumer to collect medical debt. Provides that no consumer reporting agency shall maintain in the file of a consumer any information relating to medical debt incurred by a consumer or a collection action against the consumer to collect medical debt. Provides that a health care provider shall not furnish or report any medical debt incurred by a consumer or any collection action against the consumer to collect medical debt to a consumer reporting agency. Provides that a health care provider shall include a provision in any contract entered into with a collection agency for the purchase or collection of medical debt that prohibits the reporting of any medical debt to a consumer reporting agency. Provides that a violation of the provisions constitutes an unlawful practice within the meaning of the Act.