Medical Debt Credit Reporting Restrictions

Current understanding

Michigan proposal to regulate how medical debt information is collected and reported by consumer credit reporting agencies. HB6073 would create a new act governing this practice; it has passed one chamber. Sits alongside separate proposals limiting other collection remedies for medical debt (garnishment, foreclosure, hospital charity care).

Evidence log

• 2026-03-11 — Consumer credit: credit reports and reporting agencies; collection and reporting of medical debt information; regulate. Creates new act.: 2026 — SB0451 (passed one chamber) would create a new Michigan act regulating how credit reporting agencies collect and report medical debt information; appears to be the Senate companion to HB6073. (novelty: 3)
• 2026-06-23 — Consumer credit: credit reports and reporting agencies; collection and reporting of medical debt information; regulate. Creates new act.: cross-connection with medical-debt-collection-protections: HB6073 (credit reporting of medical debt) complements HB5254/HB5255 (garnishment and foreclosure limits), forming a multi-front Michigan medical debt policy package. (novelty: 3)

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