What happened to the federal rule
In January 2025 the Consumer Financial Protection Bureau (CFPB) finalized a rule to stop most medical debt from appearing on credit reports. In July 2025 a federal court in Texas ruled the CFPB had exceeded its authority and vacated the rule.
Protections that still apply
- The three nationwide credit bureaus have voluntary policies that keep paid medical collections and smaller medical collection debts off reports, and wait before reporting new medical collections.
- A number of states have their own laws limiting medical debt reporting.
- You can dispute any inaccurate information with the credit bureau and the company that reported it.
Dealing with a medical bill
- Ask for an itemized bill and check it for errors.
- Check whether the No Surprises Act applies.
- Ask the hospital about financial assistance (charity care); nonprofit hospitals must have a policy.
- Negotiate a discount or an interest-free payment plan.
- Be cautious about putting medical bills on high-interest credit cards.
General information, not medical, legal or insurance advice. This post reflects the position on the date shown. Check the official sources below for the latest rules.
Last updated: 15 October 2026
