The Medical Debt Relief Act of 2025 would remove medical debt from consumer credit reports and prevent lenders from using medical debt information when deciding whether to approve loans or credit. The bill defines medical debt as any debt arising from receiving medical services, products, or devices, and prohibits credit reporting agencies from including adverse information about medical debts—including unpaid bills, collection accounts, or charged-off balances. The legislation affects millions of Americans burdened by medical debt by preventing it from damaging their credit scores and making it harder to access credit. The bill requires the Consumer Financial Protection Bureau to update its regulations within one year to ensure lenders cannot consider medical debt when making credit decisions. This change aims to address a significant source of consumer financial hardship without requiring any direct federal funding.
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