TX HB2478

Prohibits consumer reporting agencies from including "medically necessary debt" on consumer credit reports, regardless of when the debt was incurred

Defines "medically necessary debt" as debt arising from health care services provided to diagnose or treat an illness, injury, condition, or disease meeting accepted medical standards, or to prevent illness or detect it early through preventative screenings, vaccines, and tests

Amends Section 20.05 of the Texas Business & Commerce Code, which already restricts reporting of certain items like bankruptcies over 10 years old and various debts over 7 years old

Applies only to consumer reports furnished on or after the effective date; reports issued before that date remain governed by prior law

Takes effect September 1, 2025