News & Analysis as of

Consumer Reporting Agencies State and Local Government

Frost Brown Todd

Texas Court Vacates CFPB’s Medical Debt Rule: Lender and CRA Takeaways

Frost Brown Todd on

On July 11, 2025, the U.S. District Court for the Eastern District of Texas vacated the Consumer Financial Protection Bureau (CFPB)’s medical debt rule. The final rule, originally scheduled to go into effect in March of this...more

Stevens & Lee

New Jersey’s Medical Debt Relief Act Now Fully in Effect

Stevens & Lee on

In July 2024, New Jersey Governor Phil Murphy signed the Louisa Carman Medical Debt Relief Act into law (the Act). The Act protects patients from certain medical debt collection actions and contains several restrictions on...more

Orrick, Herrington & Sutcliffe LLP

Oregon prohibits reporting medical debt to consumer reporting agencies

On June 23, the Oregon Legislature chaptered SB 605, enacting new restrictions on the reporting of medical debt to consumer reporting agencies. The law prohibits any person from reporting to a consumer reporting agency the...more

Orrick, Herrington & Sutcliffe LLP

Tennessee Act extends consumer transaction cancellation period

On April 11, Tennessee enacted SB 816 (the “Act”), focusing on protecting consumers from consumer reporting agency practices. The primary change is the amendment of Section 47-18-2108(b), stating that “a consumer reporting...more

Ballard Spahr LLP

CO and NY enact laws to prevent reporting of medical debt to credit bureaus

Ballard Spahr LLP on

Colorado and New York are not waiting for the Fair Credit Reporting Act rulemaking to eliminate creditor use of medical debt announced by the CFPB in September 2023. As we previously blogged, in the past two years, Equifax,...more

Troutman Pepper Locke

New York Bans Reporting of Medical Debt Effective Immediately

Troutman Pepper Locke on

On December 13, New York Governor Kathy Hochul signed into law S4907A, which prohibits hospitals, medical providers, or ambulance services from providing negative information about medical debt to consumer reporting agencies...more

Sheppard Mullin Richter & Hampton LLP

Utah Amends Data Breach Law, Creates Cyber Center

Utah’s breach notification requirements will change on May 3, 2023. The recently amended data breach notification law now requires companies to notify the Attorney General for a breach involving 500 or more state residents....more

Alston & Bird

Maine Enacts Law Protecting Victims of Economic Abuse

Alston & Bird on

A&B Abstract: An Act to Provide Relief to Survivors of Economic Abuse (the “Economic Abuse Law”), effective September 19, 2019, is aimed at preventing “economic abuse” by providing certain protections to victims of such...more

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