H3241

Prohibits reporting of medical debt and irrelevant information in consumer credit reports.

This bill amends the South Carolina Code to add a new chapter prohibiting consumer credit reporting agencies from including medical debt and irrelevant information in consumer credit reports. It defines terms such as "consumer credit report" and "medical debt." The bill also provides for civil actions to enforce the prohibition, with penalties for violations, including treble damages for willful violations and actual damages for negligent ones. The act takes effect upon approval by the Governor.