Texas SB1000 prohibits consumer reporting agencies from reporting medically necessary debt on consumer reports.

The bill amends the Business & Commerce Code to prevent consumer reporting agencies from including information on consumer reports related to medically necessary debt. Medically necessary debt is defined as debt arising from health care services provided to diagnose or treat an illness, injury, condition, or disease. The prohibition applies regardless of when the medical debt was incurred. The changes apply to consumer reports furnished after the bill's effective date of September 1, 2025.

Texas SB1000 prohibits consumer reporting agencies from reporting medically necessary debt on consumer reports.

The bill amends the Business & Commerce Code to prevent consumer reporting agencies from including information on consumer reports related to medically necessary debt. Medically necessary debt is defined as debt arising from health care services provided to diagnose or treat an illness, injury, condition, or disease. The prohibition applies regardless of when the medical debt was incurred. The changes apply to consumer reports furnished after the bill's effective date of September 1, 2025.