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Advocates press Maryland to bar medical debt from consumer reports; industry warns of federal preemption
Summary
Delegate Julie Kolonkovich Carr presented HB1020 to prohibit reporting medical debt on consumer credit reports. Legal aid, AARP, community health centers and consumer advocates supported the bill, while consumer reporting industry and debt buyers warned it conflicts with the Fair Credit Reporting Act and urged narrower, consistent definitions.
Delegate Julie Kolonkovich Carr told the committee HB1020 would prohibit inclusion of medical debt on consumer (credit) reports, citing federal regulatory uncertainty after a paused CFPB rule and arguing medical debt is a poor predictor of credit risk and disproportionately harms older adults and veterans.
"One in five Americans have some amount of medical debt," the sponsor said, adding that the median medical debt…
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