medical debt legislation

The Medical Debt Forgiveness Act 2024: What Passed, What Didn’t, and Your Options Now

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Medical Debt Forgiveness Act 2024

The federal government has not signed a universal medical debt forgiveness law. Social media posts claiming otherwise are misleading. The CFPB rule that attempted to remove all medical debt from credit reports was struck down by a federal court in July 2025. Waiting for federal legislation to pass is dangerous. It often causes patients to … Read more

New Law Medical Debt Credit Report: What Has Passed and What Failed

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New Law Medical Debt Credit Report

The federal rule that would have removed all medical debt from credit reports was struck down by a court in July 2025. It is not currently in effect. The protections that actually exist right now are voluntary policies from the major credit bureaus. They will not report medical debt under $500, paid collections, or debt … Read more