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