SB2933 EngrossedLRB103 37005 SPS 67120 b

1    AN ACT concerning business.
2    Be it enacted by the People of the State of Illinois,
3represented in the General Assembly:
4    Section 5. The Consumer Fraud and Deceptive Business
5Practices Act is amended by adding Section 2EEEE as follows:
6    (815 ILCS 505/2EEEE new)
7    Sec. 2EEEE. Credit reporting; medical debt.
8    (a) As used in this Section:
9    "Collection action" means any referral of a bill to a
10collection agency or law firm to collect payment for services
11from a consumer for health care services.
12    "Collection agency" means any individual, partnership,
13corporation, trust, estate, co-operative, association,
14government or government subdivision, agency, or other entity
15that either purchases medical debt or collects medical debt on
16behalf of another entity.
17    "Consumer report" or "credit report" have the meaning
18ascribed to the term "consumer report" under 15 U.S.C.
20    "Consumer reporting agency" has the meaning ascribed to
21that term in 15 U.S.C. 1681a(f).
22    "Medical debt" means a debt arising from the receipt of
23health care services, products, or devices.



SB2933 Engrossed- 2 -LRB103 37005 SPS 67120 b

1    "Medical debt" does not include debt charged to a credit
2card or an open-end or close-end extension of credit made by a
3financial institution to a borrower unless the open-end or
4close-end extension of credit may be used by the borrower
5solely for the purpose of the purchase of health care
7    (b) It is an unlawful practice within the meaning of this
8Act for a consumer reporting agency:
9        (1) to make, create, or furnish any consumer report or
10    credit report containing, incorporating, or reflecting any
11    adverse information that the consumer reporting agency
12    knows or should know relates to medical debt incurred by
13    the consumer or a collection action against the consumer
14    to collect medical debt; and
15        (2) to maintain in the file on a consumer any
16    information relating to medical debt incurred by a
17    consumer or a collection action against the consumer to
18    collect medical debt.