Principle Criteria
Free Enterprise
Property Rights
Personal Responsibility
Limited Government
Individual Liberty
Digest
HB 2478 prohibits consumer reporting agencies from including medically necessary debt in consumer credit reports. The bill amends the Business & Commerce Code to ensure that debts incurred for medically necessary services—such as diagnosing, treating, or preventing illness—cannot be used to negatively impact a consumer’s credit report. This restriction applies regardless of when the medical debt was incurred. The law takes effect September 1, 2025, and applies only to consumer reports furnished on or after that date.
Author (1)
James Talarico
Contact the Author
Rep. James Talarico
Capitol Phone:
(512) 463-0821
Capitol Office:
EXT E2.902
E-Mail:
