Texas HB2478 prohibits consumer reporting agencies from reporting medically necessary debt on consumer reports.

Texas HB2478 amends the Business & Commerce Code to prevent consumer reporting agencies from including medically necessary debt on consumer reports. Medically necessary debt is defined as debt arising from health care services provided to diagnose or treat an illness, injury, condition, or disease, or to prevent or detect illness at an early stage. The bill also restricts the reporting of other items or events that are more than seven years old. The changes apply to consumer reports furnished after the bill's effective date of September 1, 2025.

Texas HB2478 prohibits consumer reporting agencies from reporting medically necessary debt on consumer reports.

Texas HB2478 amends the Business & Commerce Code to prevent consumer reporting agencies from including medically necessary debt on consumer reports. Medically necessary debt is defined as debt arising from health care services provided to diagnose or treat an illness, injury, condition, or disease, or to prevent or detect illness at an early stage. The bill also restricts the reporting of other items or events that are more than seven years old. The changes apply to consumer reports furnished after the bill's effective date of September 1, 2025.