Introduced

Passed House

Passed Senate

Became law

Adjourned sine die. The bill was pending when the session ended, so it did not pass.

Last action · January 14, 2026

To Banking & Insurance (H)

Introduced January 7, 2026

House

Adjourned Sine Die

2026 Regular Session

HB73

AN ACT relating to interest on medical debt.

Create a new section of KRS Chapter 360 to define "medical debt"; establish a maximum interest rate of 3% on medical debt; amend KRS 360.020 to expand the civil penalty for excessive interest on medical debt; amend KRS 360.040 to establish a maximum interest rate of 3% on judgments rendered in an action to collect medical debt; make technical amendments; amend KRS 216B.250 to conform.

Local Mandate Civil Actions Financial Responsibility Health and Medical Services Trade Practices and Retailing Consumer Protection Loans, Credit, Interest, And Usury

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This bill would set a cap of 3% on the interest rate that can be charged on medical debt in Kentucky, including interest on court judgments related to collecting that debt. It also establishes a civil penalty for anyone who charges more than that limit. This would limit how much medical debt can grow over time for Kentuckians who owe money for health care. Who it may affect: Kentuckians carrying medical debt, as well as hospitals, medical providers, and debt collectors who handle medical billing.

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