Medical Debt Credit Reporting Regulation

Current understanding

HB6073 (passed chamber) would create a new Michigan act regulating how credit reporting agencies collect and report medical debt information. The measure sits alongside other recent Michigan efforts to shield consumers from the downstream financial consequences of medical debt, and would establish new compliance obligations for consumer reporting agencies operating in the state.

Evidence log

• 2026-03-11 — Consumer credit: credit reports and reporting agencies; collection and reporting of medical debt information; regulate. Creates new act.: SB0451 (passed chamber) creates a new Michigan act regulating the collection and reporting of medical debt information by consumer credit reporting agencies. (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-wage-foreclosure-prohibition: Both restrict downstream financial consequences of medical debt — one shields wages/homes from collection, the other shields credit reports from medical-debt reporting. (novelty: 3)

Open questions

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