House Bill No. 1709, introduced by Bennett, aims to protect consumers from the negative impacts of debt related to lifesaving and emergency care services. The bill defines key terms such as "consumer," "creditor," "debt collector," and "Oklahoma medical facility," establishing a clear framework for the legislation. It specifically prohibits creditors and debt collectors from reporting consumer debt incurred from lifesaving and emergency care services provided at Oklahoma medical facilities to consumer reporting agencies. Additionally, it bars consumer reporting agencies from including such debts on consumer reports.

The bill is set to be codified as Section 181 of Title 24 in the Oklahoma Statutes and is scheduled to take effect on November 1, 2025. This legislation seeks to alleviate the financial burden on individuals who may face debt due to necessary medical services, thereby promoting better financial health and stability for consumers in Oklahoma.