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| 3 | 3 | | HB 1091 2022 |
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| 7 | 7 | | CODING: Words stricken are deletions; words underlined are additions. |
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| 8 | 8 | | hb1091-00 |
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| 9 | 9 | | Page 1 of 2 |
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| 10 | 10 | | F L O R I D A H O U S E O F R E P R E S E N T A T I V E S |
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| 14 | 14 | | A bill to be entitled 1 |
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| 15 | 15 | | An act relating to late or delinquent medical account 2 |
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| 16 | 16 | | reporting; providing a short title; creating s. 3 |
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| 17 | 17 | | 501.0081, F.S.; prohibiting consumer reporting 4 |
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| 18 | 18 | | agencies from using late or delinquent medical 5 |
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| 19 | 19 | | accounts in consumer credit score calculations; 6 |
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| 20 | 20 | | requiring consumer reporting agencies to provide a 7 |
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| 21 | 21 | | specified grace period before reporting late or 8 |
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| 22 | 22 | | delinquent medical accounts; providing penalties; 9 |
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| 23 | 23 | | directing the Department of Agriculture and Consumer 10 |
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| 24 | 24 | | Services to adopt rules; providing an effective date. 11 |
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| 25 | 25 | | 12 |
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| 26 | 26 | | Be It Enacted by the Legislature of the State of Florida: 13 |
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| 27 | 27 | | 14 |
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| 28 | 28 | | Section 1. This act may be cited as the "Florida Consumer 15 |
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| 29 | 29 | | Medical Reporting Protection Act." 16 |
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| 30 | 30 | | Section 2. Section 501.0081, Florida Statutes, is created 17 |
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| 31 | 31 | | to read: 18 |
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| 32 | 32 | | 501.0081 Late or delinquent medical account reporting. — 19 |
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| 33 | 33 | | (1) A consumer reporting agency as defined in 15 U.S.C. s. 20 |
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| 34 | 34 | | 1681a(f) doing business in this state: 21 |
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| 35 | 35 | | (a) Shall provide the con sumer a 36-month grace period 22 |
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| 36 | 36 | | before reporting a late or delinquent medical account. 23 |
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| 37 | 37 | | (b) May not include a late or delinquent medical account 24 |
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| 38 | 38 | | in a consumer's credit score calculation for 10 years after the 25 |
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| 40 | 40 | | HB 1091 2022 |
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| 44 | 44 | | CODING: Words stricken are deletions; words underlined are additions. |
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| 45 | 45 | | hb1091-00 |
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| 46 | 46 | | Page 2 of 2 |
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| 47 | 47 | | F L O R I D A H O U S E O F R E P R E S E N T A T I V E S |
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| 50 | 50 | | |
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| 51 | 51 | | date the agency reports the late or delinquent m edical account. 26 |
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| 52 | 52 | | (2) A consumer reporting agency is subject to a minimum 27 |
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| 53 | 53 | | fine of $10,000 for each violation of subsection (1). 28 |
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| 54 | 54 | | (3) The Department of Agriculture and Consumer Services 29 |
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| 55 | 55 | | shall adopt rules to implement and enforce this section. 30 |
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| 56 | 56 | | Section 3. This act shall take effect July 1, 2022. 31 |
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