AN ACT relating to the reporting of medical debt.

Create a new section of KRS Chapter 367 to define terms; prohibit a health care professional from furnishing medical debt to a consumer reporting agency; require a contract between a health care professional and collection entity to include a provision prohibiting the reporting of medical debt to a consumer reporting agency; provide that medical debt that is reported in violation of the section is void and unenforceable; make a violation of the section an unfair,…

Introduced: January 8, 2026

Last action: January 15, 2026

To Banking & Insurance (H)

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This bill would ban health care providers in Kentucky from reporting medical debt to credit reporting agencies. It would also require any contracts between health care providers and debt collectors to include the same prohibition, and any medical debt reported in violation of this rule would be considered void and unenforceable. Violations would be treated as a deceptive or unfair business practice under existing Kentucky consumer protection law. Who it may affect: Kentuckians who have medical debt, health care providers, and debt collection agencies that handle medical billing.

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