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Public Act 103-0648


 

Public Act 0648 103RD GENERAL ASSEMBLY

 


 
Public Act 103-0648
 
SB2933 EnrolledLRB103 37005 SPS 67120 b

    AN ACT concerning business.
 
    Be it enacted by the People of the State of Illinois,
represented in the General Assembly:
 
    Section 5. The Consumer Fraud and Deceptive Business
Practices Act is amended by adding Section 2EEEE as follows:
 
    (815 ILCS 505/2EEEE new)
    Sec. 2EEEE. Credit reporting; medical debt.
    (a) As used in this Section:
    "Collection action" means any referral of a bill to a
collection agency or law firm to collect payment for services
from a consumer for health care services.
    "Collection agency" means any individual, partnership,
corporation, trust, estate, co-operative, association,
government or government subdivision, agency, or other entity
that either purchases medical debt or collects medical debt on
behalf of another entity.
    "Consumer report" or "credit report" have the meaning
ascribed to the term "consumer report" under 15 U.S.C.
1681a(d).
    "Consumer reporting agency" has the meaning ascribed to
that term in 15 U.S.C. 1681a(f).
    "Medical debt" means a debt arising from the receipt of
health care services, products, or devices.
    "Medical debt" does not include debt charged to a credit
card or an open-end or close-end extension of credit made by a
financial institution to a borrower unless the open-end or
close-end extension of credit may be used by the borrower
solely for the purpose of the purchase of health care
services.
    (b) It is an unlawful practice within the meaning of this
Act for a consumer reporting agency:
        (1) to make, create, or furnish any consumer report or
    credit report containing, incorporating, or reflecting any
    adverse information that the consumer reporting agency
    knows or should know relates to medical debt incurred by
    the consumer or a collection action against the consumer
    to collect medical debt; and
        (2) to maintain in the file on a consumer any
    information relating to medical debt incurred by a
    consumer or a collection action against the consumer to
    collect medical debt.

Effective Date: 1/1/2025