OH HB257

Caps interest rates on medical debt at 3% per annum for debt incurred after the bill's effective date, overriding the standard 8% cap that applies to most other debts

Prohibits health care providers and collection agencies from reporting unpaid medical debt to consumer reporting agencies for inclusion in credit files or credit reports

Prohibits consumer reporting agencies from including medical debt information in credit reports, and requires removal of any such information within 30 days of discovery or notification, with $10 per day damages for non-compliance

Bars wage garnishment proceedings against judgment debtors for collection of medical debt incurred after the effective date

Allows consumers to bring civil action against violators, with courts empowered to void medical debt that was improperly reported to credit agencies