Regulating Credit Reports and Medical Debt Collection Practices

This bill aims to prevent Michigan residents from having most medical debt reported on their credit reports, except when the debt is tied to very large loans. Under this bill, debt collectors would not be allowed to threaten people with credit reporting over medical bills, unless it involves a significant loan amount. The bill also requires collectors to inform consumers in writing about these protections. If a person’s rights under this law are violated, they would be able to sue for damages and legal costs. This bill is designed to help people with medical debt maintain access to jobs, housing, credit, and insurance without being unfairly penalized for medical expenses.

Senate

PASSED ROLL CALL # 26 YEAS 27 NAYS 8 EXCUSED 2 NOT VOTING 0 · Mar 11, 2026 · pass