S. 160Senate113th Congress (2013-2015)In Committee

Medical Debt Responsibility Act of 2013

Introduced January 28, 2013

Legislative Activity

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SenateIntro Referral Latest Action

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

January 28, 2013

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SenateIntro Referral

Introduced in Senate

January 28, 2013

SenateIntro Referral

Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

January 28, 2013

Floor Debate

24 members

What members said about S. 160 on the floor

10 Republicans14 Democrats
Howard P. "Buck" McKeon
Rep. Howard P. "Buck" McKeonR-CA-25 · Jun 14, 2013

Mr. Chairman, I rise to claim the time in opposition to the gentleman's amendment. I yield 2 minutes to my friend and colleague, the chairman of the Seapower Subcommittee on the Armed Services…

Gerald E. Connolly
Rep. Gerald E. ConnollyD-VA-11 · Jun 14, 2013

I thank my colleague, and I thank the distinguished chairman of the committee as well. I want to talk about the FITARA bill, the Federal Information Technology Acquisition Reform Act, that I am a…

Jared Polis
Rep. Jared PolisD-CO-2 · Jun 14, 2013

Mr. Chairman, I have an amendment at the desk. Mr. Chairman, it's a very simple amendment. We, through our Chaplaincy Corps, need to support, and do support, various faith and philosophical beliefs…

Adam Smith
Rep. Adam SmithD-WA-9 · Jun 14, 2013

Mr. Chairman, I claim time in opposition to the amendment. Mr. Chairman, I yield myself 2 minutes. The 56 inmates that we are talking about at Guantanamo are not the most dangerous terrorists in the…

Robert E. Andrews
Rep. Robert E. AndrewsD-NJ-1 · Jun 14, 2013

I thank my friend for yielding. There is more agreement here than meets the eye. I think everyone in this Chamber agrees that no person who is a dangerous threat to the people of the United States…

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David B. McKinley
Rep. David B. McKinleyR-WV-1 · May 21, 2014

Mr. Chairman, I have an amendment at the desk. Mr. Chairman, this amendment would prohibit the Department of Defense from spending money on climate change policies forced upon them by the Obama…

Jackie Walorski
Rep. Jackie WalorskiR-IN-2 · Jun 14, 2013

Mr. Chairman, I have an amendment at the desk. Mr. Chairman, in May, the President declared a renewed intention to transfer detainees from Guantanamo ``to the greatest extent possible.'' He also…

Timothy J. Walz
Rep. Timothy J. WalzD-MN-1 · Jun 14, 2013

I have an amendment at the desk, Madam Chair. Madam Chair, I yield myself such time as I may consume. Sergeant Chuck Luther joined the Army after the 9/11 attacks. He served in Iraq until a mortar…

James P. Moran
Rep. James P. MoranD-VA-8 · Jun 14, 2013

Mr. Chairman, you can pretty much win any battle you want to fight with superior military might. But for wars of consequence, you have to be fighting from the high ground consistently. That's what…

Sheila Jackson Lee
Rep. Sheila Jackson LeeD-TX-18 · May 21, 2014

I thank both the distinguished ranking member and the distinguished chairman for their courtesies and as well my fellow cosponsors of this amendment, Congresswoman Barbara Lee from California and…

Doc Hastings
Rep. Doc HastingsR-WA-4 · Jun 14, 2013

Madam Chair, included in this en bloc amendment is amendment #163 to H.R. 1960, made in order by H. Res. 260. This amendment is bipartisan and submitted by myself, Mr. Fleischmann of Tennessee and…

Earl Blumenauer
Rep. Earl BlumenauerD-OR-3 · Jun 14, 2013

I appreciate the gentleman's courtesy, and I appreciate the leadership for including this amendment in the en bloc amendment. It is important that we deal with improving the quality of life for our…

Adam Kinzinger
Rep. Adam KinzingerR-IL-16 · Jun 14, 2013

Mr. Chairman, I appreciate you yielding. And, Mr. Blumenauer, thank you for leading on this, Ms. Gabbard and Mr. Stivers as well. This is such an important issue. You know, we're a Nation of…

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Tammy Duckworth
Rep. Tammy DuckworthD-IL-8 · Jun 14, 2013

Madam Speaker, I have a motion to recommit at the desk. I am opposed in its current form. Madam Speaker, the willingness of our troops to place the Nation first is why the scourge of sexual…

Mac Thornberry
Rep. Mac ThornberryR-TX-13 · Jun 14, 2013

Mr. Chairman, cost is a red herring argument here. Does it cost more to keep a detainee in Guantanamo than a Federal prisoner here? Probably, but nothing like the figures that have been repeatedly…

John Fleming
Rep. John FlemingR-LA-4 · Jun 14, 2013

I thank the chairman for the opportunity to speak on this important issue. Mr. Chairman, let's examine what a chaplain really is. A chaplain is a person who is a minister of the faith, someone who…

J. Randy Forbes
Rep. J. Randy ForbesR-VA-4 · Jun 14, 2013

Mr. Chairman, on May 28, 2010, I stood on this floor and made a motion that effectively stopped some of the worst terrorists in the world at Guantanamo Bay from being transferred to the soil in the…

Rosa L. DeLauro
Rep. Rosa L. DeLauroD-CT-3 · Jun 14, 2013

Mr. Chairman, I have an amendment at the desk. Mr. Chairman, my amendment would strengthen a prohibition unanimously supported last year to stop the Defense Department from purchasing equipment from…

Jerrold Nadler
Rep. Jerrold NadlerD-NY-10 · Jun 14, 2013

I thank the gentleman. Mr. Chairman, I rise in support of the Smith-Moran-Nadler amendment, which provides a six-part plan for closing Gitmo. The amendment will remove the existing limitations on…

Eleanor Holmes Norton
Rep. Eleanor Holmes NortonD-DC · Jun 14, 2013

Madam Chair, I rise to strongly oppose Amendment #171 to H.R. 1960, the National Defense Authorization Act for Fiscal Year 2014. This amendment is part of what for many of our Republican colleagues…

Henry A. Waxman
Rep. Henry A. WaxmanD-CA-33 · May 21, 2014

Mr. Chairman, I rise in opposition to the amendment. I yield myself 3 minutes. Mr. Chairman, the McKinley amendment provides that the Department of Defense may not make decisions based on science.…

Chris Van Hollen
Rep. Chris Van HollenD-MD-8 · Jun 14, 2013

Madam Chairman, I rise to offer the amendment. Madam Chairman, I yield myself 1 minute. I'm very pleased to offer this bipartisan amendment along with my colleagues, Mr. Mulvaney, Mr. Moran, and Mr.…

Tom Cotton
Rep. Tom CottonR-AR-4 · Jun 14, 2013

Mr. Chairman, I want to thank the gentlelady from Indiana for her effort on this very important amendment. For 4-plus years, the Obama administration has declined to transfer these terrorists at…

Brad R. Wenstrup
Rep. Brad R. WenstrupR-OH-2 · Jun 14, 2013

Mr. Chairman, the Guantanamo Bay detention facility was established to hold unlawful enemy combatants captured during the war on terror. Any proposal to close the Guantanamo detention facility must…

Bill Text

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Introduced in SenateIssued January 28, 2013

II

113th CONGRESS

1st Session

S. 160

IN THE SENATE OF THE UNITED STATES

January 28, 2013

Mr. Merkley (for himself, Mr. Blumenthal, Mr. Brown, Mr. Durbin, Mr. Harkin, Mr. Menendez, and Mr. Schumer) introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs

A BILL

To exclude from consumer credit reports medical debt that has been in collection and has been fully paid or settled, and for other purposes.

1.

Short title

This Act may be cited as the Medical Debt Responsibility Act of 2013.

2.

Findings and purpose

(a)

Findings

Congress finds that—

(1)

medical debt is unique, and Americans do not choose when accidents happen or when illness strikes;

(2)

medical debt collection issues affect both insured and uninsured consumers;

(3)

according to credit evaluators, medical debt collections are more likely to be in dispute, inconsistently reported, and of questionable value in predicting future payment performance because it is atypical and nonpredictive;

(4)

nevertheless, medical debt that has been completely paid off or settled can significantly damage the credit score of a consumer for years;

(5)

as a result, consumers may be denied credit or pay higher interest rates when buying a home or obtaining a credit card;

(6)

healthcare providers are increasingly turning to outside collection agencies to help secure payment from patients, coming at the expense of the consumer, because medical debts are not typically reported unless they become assigned to collections;

(7)

in fact, medical bills account for more than half of all non-credit related collection actions reported to consumer credit reporting agencies;

(8)

the issue of medical debt affects millions of consumers;

(9)

according to the Commonwealth Fund, medical bill problems or accrued medical debt affects roughly 73,000,000 working-age adults in America; and

(10)

in 2010, 30,000,000 working-age American adults were contacted by a collection agency for unpaid medical bills.

(b)

Purpose

It is the purpose of this Act to exclude from consumer credit reports medical debt that had been characterized as debt in collection for credit reporting purposes and has been fully paid or settled.

3.

Amendments to fair credit reporting Act

(a)

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:

(z)

Medical debt

The term medical debt means a debt described in section 604(g)(1)(C).

.

(b)

Exclusion for paid or settled medical debt

Section 605(a) of the Fair Credit Reporting Act (15 U.S.C. 1681c(a)) is amended by adding at the end the following:

(7)

Any information related to a fully paid or settled medical debt that had been characterized as delinquent, charged off, or in collection which, from the date of payment or settlement, antedates the report by more than 45 days.

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