CA AB2746

Expands the definition of "medical debt" under California's Consumer Credit Reporting Agencies Act from debt owed to medical providers to any debt related to a transaction, account, or balance arising from a medical service, product, or device

Excludes from the medical debt definition: debt charged to general-purpose credit cards, loans secured by real property, general-purpose lines of credit, and general-purpose unsecured installment loans

Includes credit cards issued specifically for medical payments or those allowing deferred interest purchases for medical services within the expanded medical debt protections

Strengthens existing prohibitions on credit reporting agencies including medical debt in consumer reports and on creditors using medical debt as a negative factor in credit decisions

Requires no state reimbursement to local agencies because costs arise only from changes to crime definitions under existing licensing violation statutes