The civic record
Read. Follow. Verify.Massachusetts bill prohibits including medical debt in consumer credit reports
Last action · December 8, 2025: Accompanied a new draft, see H4809Sponsors: Bud Williams and 1 other
Track this bill to get notified when it advances a stage. One tap to stop, anytime.
What This Bill Would Do
House Bill 476 prohibits consumer reporting agencies from including any bills, charges, debts, payments, or collections for medical services rendered by health care providers in consumer credit reports.
Who It Would Affect
Groups the bill's text would affect if enacted, as described in the record. Being affected is not a position for or against it.
Consumers
Consumers will have medical debts and collection actions excluded from their consumer credit reports.
Health care providers
Providers are defined under chapter 111 in relation to medical services whose billing records are restricted from credit reports.
Key Facts
You don't have to trust us. Each fact below is taken straight from the official document - click any one to see the exact passage, highlighted in the original.
Frequently Asked Questions
Does this bill prevent medical debt from appearing on my credit report?
Are medical debt reporting restrictions subject to standard time limitations?
What else do you want to know?
News Coverage
Follow the record
Votes, people, money & the original sourceWhere This Stands
Currently in committee. The next step in the legislative lifecycle is Floor Vote.
Procedural history
4 actions- Dec 8, 2025HouseAccompanied a new draft, see H4809
- Aug 28, 2025JointHearing scheduled for 09/08/2025 from 10:00 AM-1:00 PM in A-2
- Feb 27, 2025SenateSenate concurred
- Feb 27, 2025HouseCommitteeReferred to the committee on Consumer Protection and Professional Licensure
Version history
Only one version on file - nothing to compare yet. As later stages (committee substitute, engrossed, enrolled) are captured, the redline appears here.
View official text →Lobbying Activity
No state lobbying filings in our records match this bill. Federal lobbying reports (LDA) cover Congress, so they are not listed on state bills.
Full breakdown
Who this bill affects and the strongest case for and against it, written only from the bill’s own text.
Sponsors
Discoveries
Patterns POLISCOPE noticed across the record. These are observations to investigate, not conclusions.
Companion Draft History
The progress record indicates this bill accompanied a new draft, H4809.
Connected Entities
Sources
malegislature.gov
Analysis Score
0–100- Significance75How much this matters to a regular citizen
- Controversy35Intensity of disagreement among stakeholders
- Entertainment5Compellingness for a non-policy-wonk reader
- Buzz40Current news / social attention level
Publisher tools