# Commercial Law (GCL)

## Title 14. Miscellaneous Consumer Protection Provisions

### Subtitle 12. Consumer Credit Reporting Agencies

#### Section 14-1213

(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.

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Md. Code Ann., Com. Law (as displayed at mgaleg.maryland.gov, October 16, 2026)