Bill Text: IL SB3298 | 2023-2024 | 103rd General Assembly | Introduced

---

Bill Title: Amends the Consumer Fraud and Deceptive Business Practices Act. Provides that a person shall not report to a consumer reporting agency any medical debt incurred by a consumer or any collection action against the consumer to collect medical debt. Provides that a consumer reporting agency shall not 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. Provides that no consumer reporting agency shall maintain in the file of a consumer any information relating to medical debt incurred by a consumer or a collection action against the consumer to collect medical debt. Provides that a health care provider shall not furnish or report any medical debt incurred by a consumer or any collection action against the consumer to collect medical debt to a consumer reporting agency. Provides that a health care provider shall include a provision in any contract entered into with a collection agency for the purchase or collection of medical debt that prohibits the reporting of any medical debt to a consumer reporting agency. Provides that a violation of the provisions constitutes an unlawful practice within the meaning of the Act.

Spectrum: Partisan Bill (Democrat 1-0)

Status: (Introduced) 2024-02-07 - Referred to Assignments [SB3298 Detail]

Download: Illinois-2023-SB3298-Introduced.html

---

103RD GENERAL ASSEMBLY State of Illinois 2023 and 2024 SB3298 Introduced 2/7/2024, by Sen. Mike Simmons SYNOPSIS AS INTRODUCED:
815 ILCS 505/2EEEE new
Amends the Consumer Fraud and Deceptive Business Practices Act. Provides that a person shall not report to a consumer reporting agency any medical debt incurred by a consumer or any collection action against the consumer to collect medical debt. Provides that a consumer reporting agency shall not 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. Provides that no consumer reporting agency shall maintain in the file of a consumer any information relating to medical debt incurred by a consumer or a collection action against the consumer to collect medical debt. Provides that a health care provider shall not furnish or report any medical debt incurred by a consumer or any collection action against the consumer to collect medical debt to a consumer reporting agency. Provides that a health care provider shall include a provision in any contract entered into with a collection agency for the purchase or collection of medical debt that prohibits the reporting of any medical debt to a consumer reporting agency. Provides that a violation of the provisions constitutes an unlawful practice within the meaning of the Act.
LRB103 37026 SPS 67141 b
A BILL FOR
SB3298 LRB103 37026 SPS 67141 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).
"Health care provider" means a physician licensed to
practice medicine in all of its branches, advanced practice

SB3298 - 2 - LRB103 37026 SPS 67141 b
registered nurse, physician assistant, hospital licensed under
the Hospital Licensing Act, long-term care facility licensed
under the Nursing Home Care Act, an ambulance service licensed
to provide health care services in this State, or any other
individual or entity licensed, registered, or certified to
provide health care services in this State.
"Medical debt" means a debt arising from the receipt of
health care services, products, or devices, health care
professional, hospital, or an ambulance service that is
licensed, authorized, or certified to provide health care
services in this State
(b) A person shall not report to a consumer reporting
agency any medical debt incurred by a consumer or any
collection action against the consumer to collect medical
debt.
(c) A consumer reporting agency shall not 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.
(d) No consumer reporting agency shall maintain in the
file of a consumer any information relating to medical debt
incurred by a consumer or a collection action against the
consumer to collect medical debt.
(e) A health care provider shall not furnish or report any

SB3298 - 3 - LRB103 37026 SPS 67141 b