NV AB204

Prohibits health care entities and collection agencies from arresting consumers, placing liens or foreclosing on primary residences, garnishing federal tax refunds, or seizing bank accounts to collect medical debt

Requires a 180-day waiting period after the first bill before any extraordinary collection action (selling debt, reporting to credit agencies, wage garnishment, or legal action) can be taken, plus 30 days written notice before initiating such actions

Suspends extraordinary collection actions during declared states of emergency, disasters, or public health emergencies in the consumer's county, with federal declarations limited to 6 months

Mandates reversal of collection actions and refunds within 60 days if a consumer is later found eligible for financial assistance that would have eliminated the debt

Applies to medical debt incurred before or after January 1, 2026 (effective date), but does not apply to collection actions taken before that date; consumer protections cannot be waived