Indiana legislation · 2026 Regular Session
Indiana HB1051: Exclusion of medical debt from credit scoring.
Status: In committee, December 5, 2025
Prohibits a health care provider from reporting or furnishing to a consumer reporting agency any information related to health care debt owed or alleged to be owed by a consumer who resides in Indiana. Requires a health care provider to include in any contract entered into with a third party furnisher a provision that prohibits the reporting or furnishing to a consumer reporting agency any information related to health care debt owed or alleged to be owed by a consumer, including information concerning any delinquent account action taken with respect to health care debt. Prohibits a consumer reporting agency from recording or retaining in the file of a consumer any information that is: (1) related to health care debt incurred or alleged to be incurred by the consumer; and (2) reported to the consumer reporting agency after June 30, 2026. Provides that if a consumer reporting agency receives a request from a consumer to delete any record of health care debt maintained in the file of the consumer, the consumer reporting agency shall, not later than five business days after receiving the request, take all lawful and reasonable actions to delete from the consumer's file the record of the health care debt, regardless of when the health care debt was reported to the consumer reporting agency. Provides that a person who violates the provisions of this act commits a deceptive act.
What the bill says
A bill FOR AN ACT to amend the Indiana Code concerning trade regulation.
From the introduced text:
A BILL FOR AN ACT to amend the Indiana Code concerning trade regulation. SECTION 1. IC 24-5-23.8 IS ADDED TO THE INDIANA CODE AS A NEW CHAPTER TO READ AS FOLLOWS [EFFECTIVE JULY 1, 2026]: Chapter 23.8. Health Care Debt Reporting Sec. 1. As used in this chapter, "affiliate" means any person who directly or (2) is controlled by; or (3) is under the common control of; another person. Sec. 2. (a) As used in this chapter, "consumer" means an individual whose principal residence is in Indiana. (b) The term includes the following: (1) A protected consumer (as defined in IC 24-5-24.5-4). (2) A representative acting on behalf of a protected consumer (as defined in IC 24-5-24.5-4). Sec. 3. As used in this chapter, "consumer report" means any 2026 IN 1051--LS 6073/DI written, oral, or other communication of any information (2) bears on a consumer's creditworthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living; and (3) is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing a consumer's eligibility for: (A) credit or insurance to be used primarily for personal, family, or household purposes; (B) employment purposes; or (C) any other purpose authorized under Section 604 of the federal Fair Credit …
Sponsors
- Vanessa Summers (D, HD-099) · primary sponsor
Latest actions
- : Authored by Representative Summers
- : First reading: referred to Committee on Financial Institutions
Subjects: HEALTH; Billing and Costs, TRADE REGULATIONS; Consumer Credit and Consumer Protection (Including the Uniform Consumer Credit Code (UCCC)), CRIMINAL LAW AND PROCEDURE; Creation of New Offenses, CIVIL LAW AND PROCEDURE; Contracts and Legal Documents, HEALTH; Medical Records
Common questions
- What is HB1051?
- HB1051 is a bill in the Indiana Legislature (2026 Regular Session): Exclusion of medical debt from credit scoring.
- What does HB1051 do?
- In its own words: A bill FOR AN ACT to amend the Indiana Code concerning trade regulation.
- What is the status of HB1051?
- In committee as of December 5, 2025. Latest action: Authored by Representative Summers (December 5, 2025).
- Who sponsored HB1051?
- Vanessa Summers (D, HD-099).
- Where is the official record for HB1051?
- On the Indiana Legislature website: https://iga.in.gov/legislative/2026/bills/house/1051
Source: official Indiana record. Tracked by Delilah, AI for legislation across all 50 states and Congress.