The Medical Debt Relief Act of 2025 would prohibit medical debt from appearing on consumer credit reports and prevent lenders from using medical debt information when deciding whether to approve loans or credit. The bill amends the Fair Credit Reporting Act to exclude all adverse information related to medical debt—including collections, charge-offs, and similar negative actions—from credit reports that agencies provide to potential creditors. The legislation affects millions of Americans burdened by medical debt, which often results from unexpected healthcare costs and can harm credit scores and borrowing ability. Within one year of the bill's enactment, the Consumer Financial Protection Bureau must update its regulations to explicitly prohibit creditors from obtaining or using any medical debt information in credit decisions. The bill carries no specified new federal funding, as it primarily involves regulatory changes to existing law and credit reporting practices.
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