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