MD SB614

Consumer reporting agencies are prohibited from including any medical debt information in consumer reports, maintaining medical debt information in consumer files, or reporting collection actions related to medical debt, regardless of when the debt was incurred

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

Creditors and lenders are prohibited from using medical debt information that appears in a consumer report when making creditworthiness determinations

Hospitals that had previously reported adverse medical debt information to credit agencies must instruct those agencies to delete the information by November 1, 2025

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