Health and Health Policy Research Update
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How many consumers would be affected by a potential ban on medical debt in credit reports?

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New analysis measures how many consumers in each state and congressional district could have medical debt removed from their credit reports if a Consumer Financial Protection Bureau (CFPB) rule takes effect. However, a Congressional Review Act resolution introduced in the House and Senate, in addition to pending litigation, could prevent the rule from being implemented.


Using the Urban Institute’s credit bureau data, the researchers find nearly 10 million consumers had medical debt in collections on their credit reports in August 2024, a number that includes consumers in seven states where state laws banning credit reporting of medical debt had not yet taken effect at the time of data collection.

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Explore further insights into how the CFPB rule may affect states and communities.
Additional resources
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The Changing Medical Debt Landscape in the United States
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Early Experiences with State Medical Debt Protection Laws
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Medical Debt Was Erased from Credit Reports for Most Consumers, Potentially Improving Many American's Lives
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Debt in America: Medical Debt

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