NC S672

Large health care facilities (hospitals, ambulatory surgical centers, practices with $20+ million revenue) must develop Medical Debt Mitigation Policies providing free care to patients at 0-300% of federal poverty level and capped charges for those at 300-600% FPL

Prohibits medical creditors and debt collectors from reporting medical debt to credit bureaus, garnishing wages or tax refunds, foreclosing on property, or placing liens on real property

Limits interest on medical debt to 2% annually and late fees to $25 or 1%, and requires payment plans of at least 36 months with monthly payments capped at 5% of household income

Repeals existing liens for ambulance services and removes UNC Health Care System's ability to garnish state tax refunds for medical debt collection

Creates private right of action with damages of $500-$4,000 per violation or treble damages, plus attorney fees, and grants the Attorney General enforcement authority with a public complaint process