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Today, the Consumer Financial Protection Bureau (CFPB) finalized a rule to ban the inclusion of medical bills on credit reports used by lenders and prohibit lenders from using medical information in their lending decisions.
CFPB finaliza normativa que prohíbe facturas médicas en informes de crédito, y prohíbe a prestamistas usar información médica en decisiones crediticias.
Today, the CFPB proposed a rule that would remove medical bills from most credit reports, increase privacy protections, help to increase credit scores and loan approvals, and prevent debt collectors from using the credit reporting system to coerce people to pay.
Research from the Consumer Financial Protection Bureau in 2022 showed that medical collections tradelines appeared on 43 million credit reports, and that 58 percent of bills that were in collections and on people’s credit records were medical bills.
By
Rohit Chopra
CFPB propone normativa que removería facturas médicas de los informes de crédito, aumentaría protecciones a la privacidad, ayudaría al aumento de los puntajes crediticios y del número de préstamos aprobados, y prevendría que cobradores usen el sistema de reporte del crédito como arma para forzar a la gente a pagar.
