TX HB880

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 to diagnose or treat an illness, injury, condition, or disease meeting accepted medical standards, or to prevent illness or detect it early (including preventative screenings, vaccines, and tests)

Amends existing Texas Business & Commerce Code Section 20.05, which already restricts reporting of certain medical collection accounts for insured consumers with out-of-network emergency or facility-based provider claims

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