MD HB1020

Consumer reporting agencies are prohibited from including any medical debt information in consumer reports, including adverse information, collection actions, and debt records, regardless of when the debt was incurred

Creditors and lenders cannot use medical debt information from consumer reports when making creditworthiness determinations about consumers

Medical providers and their agents are prohibited from disclosing any medical debt to consumer reporting agencies and must include this prohibition in all contracts with collection entities

Contracts with collection entities entered into on or after October 1, 2025 that lack the required non-disclosure provision are void and unenforceable

Hospitals that previously reported adverse medical debt information must instruct consumer reporting agencies to delete that information by November 1, 2025