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Bill would bar medical debt from credit reports; advocates urge Maryland to act after federal rollbacks
Summary
Senate Bill 6-14 would prohibit reporting most medical debt on consumer credit reports in Maryland; supporters argued medical debt is a poor predictor of creditworthiness and disproportionately harms patients, while credit industry witnesses warned of federal preemption and operational concerns.
Senate Bill 6-14, sponsored by Senator Clarence Lam, would prohibit (or sharply limit) medical debt reporting on consumer credit reports in Maryland. The sponsor said medical debt is often involuntary, error-prone and a poor predictor of future credit performance; he asked the committee to align state policy with measures taken by the three major credit bureaus and the Consumer Financial Protection Bureau.
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