S.Amdt. 6240

SA 6240. Mr. KENNEDY submitted an amendment intended to be proposed
by him to the bill S. 4784, to authorize appropriations for fiscal year
2027 for military activities of the Department of Defense, for military
construction, and for defense activities of the Department of Energy,
to prescribe military personnel strengths for such fiscal year, and for
other purposes; which was ordered to lie on the table; as follows:

At the appropriate place, insert the following:

SEC. ___. PROTECTION FROM TREATMENT-RELATED CREDIT HARM.

(a) Amendments to Fair Credit Reporting Act.--
(1) Medical debt defined.--Section 603 of the Fair Credit
Reporting Act (15 U.S.C. 1681a) is amended by adding at the
end the following:
``(bb) Medical Debt.--The term `medical debt' means a debt
arising from the receipt of medical services, products, or
devices.''.
(2) Exclusion for medical debt.--
(A) In general.--Section 605(a) of the Fair Credit
Reporting Act (15 U.S.C. 1681c(a)) is amended by striking
paragraph (6) and inserting the following:
``(6)(A) Any adverse information related to a medical debt,
including a medical debt that was placed for collection,
charged to profit or loss, or subjected to any similar
action.
``(B) Nothing in subparagraph (A) may be construed to
prevent a consumer reporting agency from collecting the
information described in that subparagraph.''.
(B) Technical and conforming amendments.--Section 604(g) of
the Fair Credit Reporting Act (15 U.S.C. 1681b(g)) is
amended--
(i) in paragraph (1)--

(I) in the matter preceding subparagraph (A), by striking
``(other than medical contact information treated in the
manner required under section 605(a)(6))'';
(II) in subparagraph (A), by adding ``or'' at the end;
(III) in subparagraph (B)(ii), by striking ``; or'' and
inserting a period; and
(IV) by striking subparagraph (C); and

(ii) in paragraph (2), by striking ``(other than medical
information treated in the manner required under section
605(a)(6))''.
(b) Modification of Regulations Relating to Prohibitions on
Use of Medical Debt Information.--
(1) Definitions.--In this subsection, the terms ``credit''
and ``creditor'' have the meanings given those terms in
section 702 of the Equal Credit Opportunity Act (15 U.S.C.
1691a).
(2) Requirement.--Not later than 1 year after the date of
enactment of this Act, the Director of the Bureau of Consumer
Financial Protection shall amend section 1022.30 of title 12,
Code of Federal Regulations, or any successor regulation, to
ensure that creditors are prohibited from obtaining or using
information relating to the medical debt of a consumer in
determining whether or not to extend credit to that consumer.
______