The bill H. 4149 introduced in the South Carolina General Assembly aims to protect consumers from the negative impact of medical debt on their credit reports. It proposes the addition of Section 37-5-120 to the South Carolina Code of Laws, which explicitly prohibits creditors and debt collectors from reporting consumer debt that arises from services rendered at South Carolina medical facilities. Furthermore, it restricts consumer reporting agencies from including such medical debt in consumer reports.

The bill defines key terms such as "consumer," "consumer report," "consumer reporting agency," "creditor," "debt collector," and "South Carolina medical facility" to clarify its scope and application. By enacting this legislation, the General Assembly seeks to alleviate the financial burden on residents who may struggle with medical expenses, ensuring that their creditworthiness is not adversely affected by debts incurred for necessary medical services. The act will take effect upon approval by the Governor.

Statutes affected:
03/05/2025: 37-5-120
Latest Version: 37-5-120