§ 14–1213
Statutes in effect as of October 1, 2026.
Md. Code Ann., Com. Law § 14-1213 (2026)
Title 14. Miscellaneous Consumer Protection Provisions
Subtitle 12. Consumer Credit Reporting Agencies
§ 14–1213LinkCopy Citation
(a)
(1)
In this section, “medical debt” means debt owed by a consumer to:
(i)
A person whose primary business is providing medical services, products, or devices; or
(ii)
The person’s agent or assignee for the provision of medical services, products, or devices.
(2)
“Medical debt” includes medical bills that:
(i)
Are not past due; or
(ii)
Have already been paid.
(3)
“Medical debt” does not include debt charged to a credit card unless the credit card is issued under an open–end or closed–end credit plan offered solely for the payment of health care services.
(b)
(1)
A consumer reporting agency may not:
(i)
Make, create, or furnish any consumer report containing, incorporating, or reflecting:
(1)
Any adverse information that the consumer reporting agency knows or should know relates to medical debt incurred by the consumer; or
(2)
Any collection action against a consumer to collect medical debt; or
(ii)
Maintain in a file on a consumer any information relating to:
(1)
Medical debt incurred by the consumer; or
(2)
Any collection action against the consumer to collect medical debt.
(2)
The prohibitions established under paragraph (1) of this subsection apply regardless of when medical debt was incurred by a consumer.
(c)
A person may not use medical debt information included in a consumer report to make a determination regarding the creditworthiness of the consumer.