FEDERAL LAW · PRIMARY SOURCE
Medical Debt — Removed from Credit Reports
CFPB Final Rule / Fair Credit Reporting Act · CFPB Final Rule 2025
As of 2025, medical debt cannot appear on credit reports used for lending decisions. This applies to all medical debt regardless of the amount owed. Medical collectors can still attempt to collect, but the debt can no longer hurt your credit score.
Primary Statute
CFPB Final Rule / Fair Credit Reporting Act
CFPB Final Rule 2025
The CFPB finalized a rule in January 2025 prohibiting consumer reporting agencies from including medical debt information in consumer reports furnished to creditors. This applies to all medical debt regardless of amount. Medical debt collectors may still attempt to collect, but the debt cannot appear on credit reports used for lending decisions.
https://www.consumerfinance.gov/about-us/newsroom/cfpb-finalizes-rule-to-remove-medical-bills-from-credit-reports/