S. 744Senate115th Congress (2017-2019)In Committee

Protecting Veterans Credit Act of 2017

Introduced March 28, 2017

AI-Generated Summary

Updated April 15, 2026 at 2:26 PM UTC

The Protecting Veterans Credit Act of 2017 changes the Fair Credit Reporting Act so that medical debts incurred by veterans for care received outside the VA system are handled more carefully on credit reports. It aims to stop veterans’ credit files from being hurt by delayed or incorrect billing from the Department of Veterans Affairs and to give veterans a clear way to dispute such debts. The bill mainly affects veterans, credit reporting agencies, and debt collectors handling veteran medical debt.

Key Provisions

  • Adds definitions for “veteran” and “veteran’s medical debt,” covering debts from non‑VA facilities and any debt the VA wrongly charged.
  • Requires credit reports to exclude veteran medical debt that is less than one year old or that has been fully paid, settled, charged off, or sent to collection.
  • Creates a dispute process where a veteran can submit proof that the VA is liable for the debt; the credit bureau must then delete that debt information and notify the furnisher and the veteran.
  • Mandates that the VA must notify veterans when it assumes liability for all or part of their medical debt.

Legislative Activity

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2 earlier actions
SenateCommittee Latest Action

Committee on Banking, Housing, and Urban Affairs. Hearings held. Hearings printed: S.Hrg. 115-132.

October 17, 2017

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SenateIntro Referral

Introduced in Senate

March 28, 2017

SenateIntro Referral

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

March 28, 2017

SenateCommittee

Committee on Banking, Housing, and Urban Affairs. Hearings held. Hearings printed: S.Hrg. 115-132.

October 17, 2017

Floor Debate

16 members

What members said about S. 744 on the floor

9 Republicans7 Democrats
Luis V. Gutierrez
Rep. Luis V. GutierrezD-IL-4 · Jun 29, 2017

Mr. Speaker, for almost 100 percent of the people who would go to jail if this bill is enacted, they are not criminals and have no brush with the law. They were people who lived here for years, who…

Zoe Lofgren
Rep. Zoe LofgrenD-CA-19 · Jun 29, 2017

Mr. Speaker, I rise in opposition to this bill. The bill is part of a larger mass deportation bill marked up by the House Judiciary Committee earlier this month. I think the message it is intended to…

Bob Goodlatte
Rep. Bob GoodlatteR-VA-6 · Jun 29, 2017

Mr. Speaker, pursuant to House Resolution 415, I call up the bill (H.R. 3004) to amend section 276 of the Immigration and Nationality Act relating to reentry of removed aliens, and ask for its…

Judy Chu
Rep. Judy ChuD-CA-27 · Jun 29, 2017

Mr. Speaker, I rise in strong opposition to H.R. 3004, Kate's Law. This is politically driven legislation intended to create a fear of immigrants, even though repeated studies have shown immigrants…

John Conyers, Jr.
Rep. John Conyers, Jr.D-MI-13 · Jun 29, 2017

Mr. Speaker, I yield myself such time as I may consume. Mr. Speaker, H.R. 3004 is an anti-immigrant enforcement-only proposal that represents yet another step in President Trump's mass deportation…

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Jerrold Nadler
Rep. Jerrold NadlerD-NY-10 · Jun 29, 2017

Mr. Speaker, I rise in opposition to this bill. This draconian legislation would dramatically expand the penalties for illegal reentry into the United States, even for people who have committed minor…

Lou Barletta
Rep. Lou BarlettaR-PA-11 · Jun 29, 2017

Mr. Speaker, I thank the gentleman for yielding me this time, and I rise today in support of Kate's Law and No Sanctuary for Criminals Act. These important bills represent an important step towards…

Brian K. Fitzpatrick
Rep. Brian K. FitzpatrickR-PA-8 · Jun 29, 2017

Mr. Speaker, I thank the chairman and members of the House Judiciary Committee for their work on this issue. And as a member of the Homeland Security Committee, the issues being debated and voted on…

Steve King
Rep. Steve KingR-IA-4 · Jun 29, 2017

Mr. Speaker, I thank the chairman for yielding and for working this legislation through and facilitating that it comes to the floor this week. This week, the event of ``Hold Their Feet to the Fire''…

Kevin Yoder
Rep. Kevin YoderR-KS-3 · Jun 29, 2017

Mr. Speaker, I rise today in support of the rule of law, of strengthening the enforcement of our immigration system, and of improving the security of our Nation's borders. The safety and security of…

Steve Chabot
Rep. Steve ChabotR-OH-1 · Jun 29, 2017

Mr. Speaker, I thank the gentleman, and I especially want to thank him for his leadership on this. Nearly 2 years ago, Kate Steinle, a young woman with a promising future, had her life tragically…

Theodore E. Deutch
Rep. Theodore E. DeutchD-FL-22 · Jun 29, 2017

Mr. Speaker, I thank the gentlewoman for yielding me this time. Mr. Speaker, this is a really tough bill because this is a really difficult subject. We mourn the loss of Kate Steinle, and we have an…

J. Luis Correa
Rep. J. Luis CorreaD-CA-46 · Jun 29, 2017

Mr. Speaker, I want to speak about H.R. 3004, but let me first talk about two of my constituents, Officer Jose Vargas, one of the most decorated police officers in the State of California, and the…

Show 3 more
Jack Bergman
Rep. Jack BergmanR-MI-1 · Jun 29, 2017

Mr. Speaker, I thank the chairman and his committee for their diligent work on this extremely important and timely law. Mr. Speaker, I rise in support of H.R. 3004, Kate's Law. Our immigration system…

Mark Walker
Rep. Mark WalkerR-NC-6 · Jun 29, 2017

Mr. Speaker, I thank Chairman Goodlatte for yielding. I appreciate his boldness in protecting the citizens of America with great legislation. Mr. Speaker, when the father of Kate Steinle, Jim,…

Robert Pittenger
Rep. Robert PittengerR-NC-9 · Jun 29, 2017

Mr. Speaker, the previous administration's biggest homeland security failures were the lack of prosecution and enforcement for crimes committed by illegal immigrants. For far too long, the Obama…

Bill Text

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Introduced in SenateIssued March 28, 2017

II

115th CONGRESS

1st Session

S. 744

IN THE SENATE OF THE UNITED STATES

March 28, 2017

Mr. Donnelly (for himself and Mr. Rounds) introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs

A BILL

To amend the Fair Credit Reporting Act to delay the inclusion in consumer credit reports and to establish requirements for debt collectors with respect to medical debt information of veterans due to inappropriate or delayed billing payments or reimbursements from the Department of Veterans Affairs, and for other purposes.

1.

Short title

This Act may be cited as the Protecting Veterans Credit Act of 2017.

2.

Purpose

The purposes of this Act are—

(1)

to rectify problematic reporting of medical debt included in a consumer report of a veteran due to inappropriate or delayed payment for hospital care or medical services provided in a non-Department of Veterans Affairs facility under the laws administered by the Secretary of Veterans Affairs; and

(2)

to clarify the process of debt collection for such medical debt.

3.

Amendments to fair credit reporting act

(a)

Veteran’s 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)

Veteran

The term veteran has the meaning given the term in section 101 of title 38, United States Code.

(aa)

Veteran's medical debt

The term veteran’s medical debt

(1)

means a debt of a veteran arising from health care provided in a non-Department of Veterans Affairs facility under the laws administered by the Secretary of Veterans Affairs; and

(2)

includes medical debt that the Department of Veterans Affairs has wrongfully charged a veteran.

.

(b)

Exclusion for veteran’s medical debt

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

(7)

Any information related to a veteran’s medical debt if the date on which the hospital care or medical services was rendered relating to the debt antedates the report by less than 1 year.

(8)

Any information related to a fully paid or settled veteran’s medical debt that had been characterized as delinquent, charged off, or in collection.

.

(c)

Removal of veteran’s medical debt from consumer report

Section 611 of the Fair Credit Reporting Act (15 U.S.C. 1681i) is amended—

(1)

in subsection (a)(1)(A), by inserting and except as provided in subsection (g) after subsection (f); and

(2)

by adding at the end the following:

(g)

Dispute process for veteran’s medical debt

(1)

In general

With respect to a veteran's medical debt of a consumer, the consumer may submit a notice along with proof of liability of the Department of Veterans Affairs for payment of that debt or documentation that the Department of Veterans Affairs is in the process of making payment for authorized medical services rendered to a consumer reporting agency or a reseller to dispute the inclusion of that debt on a consumer report of the consumer.

(2)

Notification to veteran

The Department of Veterans Affairs shall submit to a veteran a notice that the Department of Veterans Affairs has assumed liability for part or all of a veteran's medical debt.

(3)

Deletion of information from file

If a notice and proof of liability or documentation is received under paragraph (1), the consumer reporting agency shall delete all information relating to the veteran’s medical debt from the file of the consumer and notify the furnisher and the consumer of that deletion.

.

4.

Effective date

The amendments made by this Act shall take effect on the date that is 90 days after the date of enactment of this Act.