OR SB605

Prohibits any person from reporting medical debt owed by Oregon residents to consumer reporting agencies, and bars consumer reporting agencies from including medical debt in consumer reports

Expands the definition of "medical debt" to include all monetary obligations to medical service providers, their agents, or medical-specific credit cards—covering treatment, devices, supplies, drugs, and patient care (excluding elective cosmetic surgery)

Caps interest on medical debt at the weekly average one-year Treasury yield (between 2% and 5% annually) for patients who do not qualify for financial assistance; prohibits interest entirely for patients who qualify for financial assistance

Prohibits hospitals, clinics, and debt collectors from attempting to collect medical debt from a patient's children or family members who are not legally financially responsible

Violations constitute unlawful trade practices under ORS 646.608, and courts may declare medical debt void and uncollectible as a remedy