California · Civil Code

CIV §1785.27: (a) A person shall not furnish information regarding a medical debt to a consumer credit reporting agency.

Civil

What this law says, in plain English

A person cannot report medical debt to credit agencies. Medical debts are void if this rule is knowingly violated. Medical debt contracts must include specific disclosure language or become void and unenforceable.

Read the full statutory text

(a) A person shall not furnish information regarding a medical debt to a consumer credit reporting agency. (b) A medical debt is void and unenforceable if a person knowingly violates this section by furnishing information regarding the medical debt to a consumer credit reporting agency. (c) (1) On or after July 1, 2025, it is unlawful to enter into a written contract creating a medical debt that does not include the following term: “A holder of this medical debt contract is prohibited by Section 1785.27 of the Civil Code from furnishing any information related to this debt to a consumer credit reporting agency. In addition to any other penalties allowed by law, if a person knowingly violates that section by furnishing information regarding this debt to a consumer credit reporting agency, the debt shall be void and unenforceable.” (2) A written contract entered into on or after July 1, 2025, that does not include the term described in paragraph (1) is void and unenforceable. (d) A violation of this section by a person holding a license or permit issued by the state shall be deemed to be a violation of the law governing that license or permit.

Verify at the official source: California legislative text

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