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Medical Debt Relief Act of 2019
Legislative Progress
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Medical Debt Relief Act of 2019 This bill modifies requirements related to the reporting of medical debt. Specifically, a consumer reporting agency may not add certain medical debt information to a consumer credit report. Also, a debt collector may not report certain medical debt information to a consumer reporting agency within a specified time period and must notify the consumer prior to reporting such medical debt.
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Filing registrants (5)
2020 · second_quarter · Health Issues
Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Introduced in Senate
Bills with similar content found using semantic analysis.
Sources: Congress.gov
Support the CDC updating their guidelines to include both decarceration and expanding healthcare access for incarcerated people and newly released individuals as vital public health strategies for curbing the virus in and out of facilities, and to save lives Support fixing issues with Medicare and marketplace enrollment that are currently acting as barriers for older adults and people with disabilities to access health care coverage Support Congressional leaders acting swiftly to install actors who will take their oversight duties seriously and prioritize the public interest in naming commissioners to oversee the COVID stimulus money Support H.Res. 908, which expresses strong opposition to harmful actions towards or blaming any one racial group for spreading the Coronavirus Oppose H.Res. 907, which appears to blame Chinese and Chinese Americans for the spread of the virus. Support the CDC retracting the guidance and instead provide workers with what they need and deserve: critical, enforced safety and health protections; guaranteed paid sick leave for all workers in these sectors; a presumption that infection occurred at work so workers are eligible for workers compensation benefits; and surveillance of workplace incidences of COVID-19 infection. Oppose the practice of expelling asylum seekers, unaccompanied children, and other migrants to Mexico and other countries under the guise of a March 20 order from the Centers for Disease Control and Prevention on limiting travel at the borders due to COVID-19 Support increased testing and introduce ancillary measures for control of COVID-19. Support increasing FMAP to states and increasing incentive for states to expand Medicaid. Ensure access to affordable health insurance coverage for all; provide states, localities, and tribes with the financial support they need to respond effectively; protect the health and safety of the health care workforce; organize national public health capacity; and protect all patients access to care and prohibit price gouging of health care services. Support nondiscrimination in care protections; ensuring LGBTQ+ data collection in COVID-19 reporting; and redress economic harms Support HR 6561, a review of the Social Determinants of Health Support the Medicare Crisis Program, which would: enroll in Medicare any uninsured person and the household of a person who is found eligible for unemployment insurance due to COVID-19, throughout the duration of this emergency; establish a COVID-19 National Clearinghouse within the Center for Medicare and Medicaid Services to purchase necessary medical and personal protective equipment, including but not limited to: respirator masks, ventilators, gloves, bodysuits, safety glasses, eye protection, isolation gowns, swabs, and more; expand insurance coverage for other uninsured people, by prohibiting cost-sharing within Medicaid and CHIP for COVID-19 vaccine and treatment for enrollees, increasing the federal matching rate for Medicaid during pandemics and economic downturns, and more; and require private insurers (including group, individual, and ERISA plans), Medicare (including Medicare Advantage plans), Medicaid and CHIP, TRICARE and Veterans Affairs plans, the Indian Health Service, and all health plans covering Federal workers to cover COVID-19 testing (regardless of the result) and treatment without cost-sharing or prior authorization. Support Community Health Centers Support the collection and reporting of demographic data on COVID-19 patients, either in the next legislation or by agency action Support Congress taking additional urgent action to protect their lives and well-being during the COVID-19 health emergency Oppose allowing businesses seeking immunity from potential liability related to workers or customers who contract COVID-19 Support S.3799 / HR 4701 , the Health Equity and Access under the Law (HEAL) for Immigrant Women and Families Act, which would Restore enrollment to full-benefit Medicaid and the Childrens Health Insurance Program (CHIP) to all federally authorized immigrants who are otherwise eligible; remove the unjustifiable exclusion of undocumented immigrants from accessing health insurance coverage on the Affordable Care Acts Health Insurance Exchanges; ensure access to public and affordable health coverage for Deferred Action for Childhood Arrivals (DACA) recipients ; and reinstate Medicaid eligibility for COFA migrants. Support, at a minimum, the suspension of the issuance of the final Section 1557 of the ACA rule during the current COVID-19 national emergency, the growing economic recession and increasing rates of unemployment. Codification of this rule would lead to discrimination against LGBTQ people Support adding community health worker services as an optional benefit in the Medicaid program with an increased Federal Medical Assistance Percentage (FMAP) for states and territories, as well as provide rapid funding for state and local health departments to deploy a community-based workforce in immediate response. Support funding for more than one Office of Minority Health introduced to respond to COVID19 Support the inclusion of the Medical Debt Relief Act (S1581 / HR 6470 Porter) in future covid-19 relief legislation Support COVID-19 testing for all, regardless of their incomes, race, color, age, or station in life No COVID-19 response technology has been proven trustworthy and effective for combating the pandemic in the United States. Use of such technology must only be allowed if it is non-discriminatory, effective, voluntary, secure, accountable, and used exclusively for public health purposes. Support $300 million in grants for allied health programs and $10 million for outreach to encourage careers in nutrition and dietetics Support the Centers for Medicare & Medicaid Services maintaining the following enrollment policies for the duration of the public health emergency, and longer if needed: The Special Enrollment Period for Part C and Part D; Equitable Relief for Premium Part A and Part B; and Time-Limited Equitable Relief for Marketplace Enrollees. Support hr 7268 / s 4000, the Andrew Kearse Accountability for Denial of Medical Care Act which would: Hold federal law enforcement officials criminally liable when they fail to obtain or provide medical care to individuals in their custody who are experiencing medical distress; Require training for federal law enforcement officials on assisting individuals in medical distress; and Direct the Inspectors General of the agencies that employ federal law enforcement officers to investigate potential violations and refer appropriate cases to the Department of Justice for prosecution. Support hr 1425 the Patient Protection and Affordable Care Enhancement Act. This legislation expands the insurance subsidies created by the Affordable Care Act and states would be encouraged to increase Medicaid coverage.
Client expense: $290,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Bureau of Prisons (BOP), Centers For Disease Control & Prevention (CDC), Centers For Medicare and Medicaid Services (CMS), Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Education, Dept of, Employment & Training Administration, Equal Employment Opportunity Commission (EEOC), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Energy Regulatory Commission (FERC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), President of the U.S., SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Treasury, Dept of, Veterans Affairs, Dept of (VA), Vice President of the U.S.
2020 · second_quarter · Financial Institutions/Investments/Securities
Support the Treasury Department and the Federal Reserve developing and deploy one or more liquidity facilities through which mortgage servicers covering forborne consumer payments can obtain funding to cover potential shortfalls of advances to bondholders and other parties who are compensated from borrower payments during the declared COVID-19 emergency Support Congress instituting a 36% annual interest rate cap and codifying a ban on confessions of judgments for all small business loans to ensure that small business owners are able to defend their businesses in court in light of the COVID-19 pandemic Support provisions included in the next Coronavirus response legislation to protect people's homes, cars, credit, bank accounts and more from evictions/foreclosures, debt collection, car repossessions, predatory lenders, etc Support the inclusion of the Medical Debt Relief Act (S1581 / HR 6470 Porter) in future covid-19 relief legislation Support the Treasury directing the SBA to designate returned corporate PPP funds to CDFIs and MDIs to ensure that small businesses of color can access the funds. Support the inclusion of the credit reporting protections in the HEROES Act in the next COVID-19 relief package, or pass it separately as S. 3508. These protections would establish a temporary moratorium on negative credit reporting for the COVID-19 emergency period plus four months, with the option for consumers to obtain an additional nine months of relief. It would address the looming credit reporting damage from missed bills due to lost jobs or income, which could prevent consumers from getting affordable credit, jobs, housing and more for the next seven years Support the Senate to include the debt collection protections in the HEROES Act in the next stimulus package in order to protect consumers, nonprofits and small businesses from the most aggressive forms of debt collection so that they can concentrate on getting their families, businesses and the economy back on their feet. In particular, the bill puts a moratorium on: * evictions and foreclosures * wage garnishment * bank account garnishment * car repossessions * incarceration for nonpayment of debts, including fees and fines. Support h. con. Res. 90, to overturn the OCCs rule on the Community Reinvestment Act Oppose FDICs NPRM regarding Industrial Loan Companies (ILCs). The proposal fails to consider that expansion of ILCs, including those acquired by financial companies, will erode consumer protections and expose consumers to severe harm. Existing ILCs are already disproportionately involved in rent-a-bank partnerships, including very high-cost schemes. New ILCs are likely to attract precisely the high-cost non-bank lenders that want to avoid state laws. The FDIC should crack down on existing ILCs engaged in rent-a-bank schemes and should not approve new ILC charters. [If the FDIC does approve new charters, it should impose severe limitations on the activity of the ILC itself.] No final ILC rule should permit the FDIC to waive the conditions prescribed therein. The high-cost lending that proliferation of ILCs would enable causes severe harm to communities, with a history of causing particular harm to communities of color.
Client expense: $290,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Bureau of Prisons (BOP), Centers For Disease Control & Prevention (CDC), Centers For Medicare and Medicaid Services (CMS), Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Education, Dept of, Employment & Training Administration, Equal Employment Opportunity Commission (EEOC), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Energy Regulatory Commission (FERC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), President of the U.S., SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Treasury, Dept of, Veterans Affairs, Dept of (VA), Vice President of the U.S.
2020 · second_quarter · Banking
Support the Treasury Department and the Federal Reserve developing and deploy one or more liquidity facilities through which mortgage servicers covering forborne consumer payments can obtain funding to cover potential shortfalls of advances to bondholders and other parties who are compensated from borrower payments during the declared COVID-19 emergency Support Congress instituting a 36% annual interest rate cap and codifying a ban on confessions of judgments for all small business loans to ensure that small business owners are able to defend their businesses in court in light of the COVID-19 pandemic. Support provisions included in the next Coronavirus response legislation to protect people's homes, cars, credit, bank accounts and more from evictions/foreclosures, debt collection, car repossessions, predatory lenders, etc Support the inclusion of the Medical Debt Relief Act (S1581 / HR 6470 Porter) in future covid-19 relief legislation Support the Treasury directing the SBA to designate returned corporate PPP funds to CDFIs and MDIs to ensure that small businesses of color can access the funds. Support the inclusion of the credit reporting protections in the HEROES Act in the next COVID-19 relief package, or pass it separately as S. 3508. These protections would establish a temporary moratorium on negative credit reporting for the COVID-19 emergency period plus four months, with the option for consumers to obtain an additional nine months of relief. It would address the looming credit reporting damage from missed bills due to lost jobs or income, which could prevent consumers from getting affordable credit, jobs, housing and more for the next seven years Support the Senate to include the debt collection protections in the HEROES Act in the next stimulus package in order to protect consumers, nonprofits and small businesses from the most aggressive forms of debt collection so that they can concentrate on getting their families, businesses and the economy back on their feet. In particular, the bill puts a moratorium on: * evictions and foreclosures * wage garnishment * bank account garnishment * car repossessions * incarceration for nonpayment of debts, including fees and fines. Support h. con. Res. 90, to overturn the OCCs rule on the Community Reinvestment Act Oppose FDICs NPRM regarding Industrial Loan Companies (ILCs). The proposal fails to consider that expansion of ILCs, including those acquired by financial companies, will erode consumer protections and expose consumers to severe harm. Existing ILCs are already disproportionately involved in rent-a-bank partnerships, including very high-cost schemes. New ILCs are likely to attract precisely the high-cost non-bank lenders that want to avoid state laws. The FDIC should crack down on existing ILCs engaged in rent-a-bank schemes and should not approve new ILC charters. [If the FDIC does approve new charters, it should impose severe limitations on the activity of the ILC itself.] No final ILC rule should permit the FDIC to waive the conditions prescribed therein. The high-cost lending that proliferation of ILCs would enable causes severe harm to communities, with a history of causing particular harm to communities of color.
Client expense: $290,000 · Firm income: Not reported
Government targets: Agriculture, Dept of (USDA), Bureau of Prisons (BOP), Centers For Disease Control & Prevention (CDC), Centers For Medicare and Medicaid Services (CMS), Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Defense, Dept of (DOD), Education, Dept of, Employment & Training Administration, Equal Employment Opportunity Commission (EEOC), Federal Communications Commission (FCC), Federal Deposit Insurance Corporation (FDIC), Federal Emergency Management Agency (FEMA), Federal Energy Regulatory Commission (FERC), Federal Housing Finance Agency (FHFA), Federal Reserve System, HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Homeland Security, Dept of (DHS), Housing & Urban Development, Dept of (HUD), Justice, Dept of (DOJ), Labor, Dept of (DOL), Natl Credit Union Administration (NCUA), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), President of the U.S., SENATE, Securities & Exchange Commission (SEC), Small Business Administration (SBA), Social Security Administration (SSA), State, Dept of (DOS), Treasury, Dept of, Veterans Affairs, Dept of (VA), Vice President of the U.S.
2020 · second_quarter · Consumer Issues/Safety/Products
Authority of CFPB Financial Technology ("Fintech") Funding of CFPB HR 1500 -- Consumers First Act Reg BI SEC fiduciary rule Small Business Lending Discrimination Protecting Innocent Consumers Affected by Shutdown Act HR 3618 Free Credit Scores for Consumers Act HR 3621 Student Borrower Credit Improvement Act HR 1423 Forced Arbitration Injustice Repeal (FAIR) Act HR 4254 Overdraft Protection Act of 2019 Facebook' Libra cryptocurrency HR 758 - the Coronavirus Aid, Relief, and Economic Security (CARES) Act S3565 - Small Business and Consumer Debt Collection Emergency Relief Act of 2020 S3560 - Small Business and Consumer Emergency Credit Act S.3509 - A bill to provide borrowers the right to request forbearance on mortgage loan payments. Heroes Act (COVID PACKAGE) HJ Res 90 - CRA of Congressional Review Act HR 5332 Protecting your Credit Score Act Senior Investor Pandemic and Fraud Protection Act S1581/HR 6470 the Medical Debt Relief Act
Client expense: $110,000 · Firm income: Not reported
Government targets: Commodity Futures Trading Commission (CFTC), Consumer Financial Protection Bureau (CFPB), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, HOUSE OF REPRESENTATIVES, Internal Revenue Service (IRS), Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Securities & Exchange Commission (SEC)
2020 · second_quarter · Banking
Group letter to support H.R. 5332, the Protecting Your Credit Score Act of 2020, (Gottheimer (NJ) (Passed House.) Group letters to support debt collection provisions of Section 110402 and 110601 of the House-passed HEROES Act, H.R. 6800, restricting the collection of consumer and small business debt. That section gives consumers and small businesses that are facing mounting debts a path to recovery. Urge its inclusion in next COVID stimulus package. Submitted Comments to Request for Information from Taskforce on Federal Consumer Financial Law, Docket No. CFPB-2020-0013. Group letters to Urge Congressional leaders and OMB to mandate that Treasury Secretary and Federal Reserve Board fully comply with Coronavirus Aid, Relief, and Economic Security Act (CARES Act, Pub. L. 116-136) disclosure and transparency requirements and mechanisms, especially the provisions establishing the Pandemic Response Accountability Committee (PRAC, 15010 and 15011). Briefed House Financial Services Committee staff (at their request) on our latest findings on pandemic's impact on number and types of consumer complaints in the CFPB database, particularly its impact on homeowners and mortgages. Group letter to Urge Congressional leaders to include include S1581 (Merkley-OR)/HR 6470 (Porter-CA) the Medical Debt Relief Act of 2019 in the next COVID-19 relief package. The reforms in the Medical Debt Relief Act are urgently needed to allow American families to access the health care they need without further straining their finances during this public health crisis. Group letter to urge CFPB Director to suspend all regulatory actions unrelated to COVID19 and take more steps to better protect consumers during pandemic, instead of loosening enforcement on financial firms. Group letter to urge CFPB Director to suspend actions to weaken Payday Lending and Car Title Loan Regulation, based on leak of internal whistleblower report. Group letter to support S3913 (Cortez-Masto-NV) The End Double Taxation of Successful Consumer Claims Act to correct 2017 tax reform error that harms consumer-plaintiffs and their attorneys by requiring both to pay taxes on same amount. Group letter to CFPB Director urging her to cancel Request for Information sent by Taskforce on Federal Consumer Financial Law, Docket No. CFPB-2020-0013. Sent group letter to OCC opposing its joint rulemaking with OCC to weaken the important Community Reinvestment Act. The Community Reinvestment Act was intended to curb redlining and racial discrimination, and to make access to credit more equitable. Notice of Proposed Rulemaking, Community Reinvestment Act Regulations Docket No: OCC-2018-0008 and RIN 3064-AF22. Joined consumer and banking industry organizations in letter to urge Congressional leaders at the soonest possible opportunity to clarify that economic impact payments responding to this public health emergency are exempt from otherwise legally binding garnishment orders.
Client expense: $10,000 · Firm income: Not reported
Government targets: Consumer Product Safety Commission (CPSC), Federal Deposit Insurance Corporation (FDIC), Federal Reserve System, Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Office of Management & Budget (OMB), Office of the Comptroller of the Currency (OCC), SENATE, Transportation, Dept of (DOT), Treasury, Dept of
2020 · first_quarter · Health Issues
Authority for dental-related programs to operate, caries prevention and oral health promotion, access to dental care, dental research, oral and craniofacial defects, filling Chief Dental Officer positions at CMS, prescribing practices (e.g., opioid prescribing), etc. H.R. 3630, No Surprises Act H.R. 5800, Ban Surprise Billing Act S. 1895, Lower Health Care Costs Act H.R. 269, to clarify the regulatory framework with respect to certain nonprescription drugs that are marketed without an approved drug application H.R. 1379, Ensuring Lasting Smiles Act (ELSA Act) H.R. 1614, John S. McCain Opioid Addiction Prevention Act S 192, Community and Public Health Programs Extension Act S. 560/H.R. 1379, Ensuring Lasting Smiles Act (ELSA Act) S. 724/H.R. 1614, John S. McCain Opioid Addiction Prevention Act H.R. 3762, Dental and Optometric Care Access Act of 2019 (DOC Access Act) H.R. 5330, Consumer Protection for Medical Debt Collection Act S. 1581, Medical Debt Relief Act H.R. 748 Coronavirus Aid, Relief Economic Security Act or the CARES Act Section 1557 Reform, add Stark and Anti-Kickback Reform Action for Dental Health Act Implementation Minamata Convention on Mercury Clear aligners, Minamata Convention on Mercury Reauthorization of Teaching Health Centers Graduate Medical Education Program, National Health Service Corps, and Community Health Centers H.R. 4537, Mobile Health Clinics Act H.R. 4678, the Oral Health Literacy and Awareness Act S. 2629, United States Public Health Service Modernization Act HRSA Chief Dental Officer
Client expense: $460,000 · Firm income: Not reported
2019 · third_quarter · Financial Institutions/Investments/Securities
Legislative and regulatory issues pertaining to credit reporting and scoring, including H.R. 1500, H.R. 1756, H.R. 2290, H.R. 2753, H.R. 2824, H.R. 3614, H.R. 3618, H.R. 3621, H.R. 3622, H.R. 3629, H.R. 3642, H.R. 3693, H.R. 3821, H.R. 3862, H.R. 4231, H.R. 4328, S. 1581, S. 1729, and S. 1828.
Client expense: $360,000 · Firm income: Not reported
Government targets: Consumer Financial Protection Bureau (CFPB), Federal Trade Commission (FTC), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), SENATE, Social Security Administration (SSA), Treasury, Dept of
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Government targets: Centers For Disease Control & Prevention (CDC), Centers For Medicare and Medicaid Services (CMS), Environmental Protection Agency (EPA), Food & Drug Administration (FDA), HOUSE OF REPRESENTATIVES, Health & Human Services, Dept of (HHS), Health Resources & Services Administration (HRSA), Indian Health Service, Labor, Dept of (DOL), Natl Institutes of Health (NIH), SENATE, Small Business Administration (SBA), White House Office