Consumer credit: credit reports and reporting agencies; collection and reporting of medical debt information; regulate. Creates new act.
Key claim: SB0451 creates a new Michigan act regulating the collection and reporting of medical debt information by credit reporting agencies.
Abstract
(SB0451 · 103rd Legislature) Consumer credit: credit reports and reporting agencies; collection and reporting of medical debt information; regulate. Creates new act. Latest action (2026-06-17): Referred To Second Reading
Why this matters
For consumers, SB0451 would limit how unpaid medical bills flow into credit files that affect access to housing, loans, and employment — a significant shift in Michigan consumer credit policy. For medical providers, collectors, and credit reporting agencies, it creates new compliance obligations around what medical debt information can be furnished or reported. Having passed a chamber, it is one of the more advanced pieces of Michigan’s emerging medical debt reform package.