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53	53	STATE OF OKLAHOMA
54	54
55	55	1st Session of the 60th Legislature (2025)
56	56
57	57	SENATE BILL 519 By: Boren
58	58
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60	60
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63	63	AS INTRODUCED
64	64
65	65	An Act relating to hospitals; defining terms;
66	66	prohibiting hospitals from taking certain collection
67	67	actions against patients; providing exc eption;
68	68	providing for codification; and providing an
69	69	effective date.
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71	71
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75	75	BE IT ENACTED BY THE PEOPLE OF THE STATE OF OKLAHOMA:
76	76	SECTION 1. NEW LAW A new section of law to be codified
77	77	in the Oklahoma Statutes as Section 1 -725.11 of Title 63, unless
78	78	there is created a duplication in numbering, reads as follows:
79	79	As used in this act:
80	80	1. “Collection action” means any of the following actions taken
81	81	with respect to a debt for items and services that were purchased
82	82	from, or provided to a patient by, a hospital on a date during which
83	83	the hospital was not in material compliance with hospital price
84	84	transparency laws:
85	85	a. attempting to collect a debt from a patient or patient
86	86	guarantor by referring the debt, directly or
87	87	indirectly, to a debt collector, collection agency, or
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139	139	other third party retained by or on behal f of the
140	140	hospital,
141	141	b. suing the patient or patient guarantor or enforcing an
142	142	arbitration or mediation clause in any hospital
143	143	documents, including contracts, agreements,
144	144	statements, or bills, or
145	145	c. directly or indirectly causing a report to be made to
146	146	a consumer reporting agency;
147	147	2. a. “Collection agency” means any:
148	148	(1) person who engages in a business, the principal
149	149	purpose of which is the collection of debts, or
150	150	(2) person who:
151	151	(a) regularly collects or attempts to collect,
152	152	directly or indirectly, debts ow ed or due or
153	153	asserted to be owed or due to another,
154	154	(b) takes assignment of debts for collection
155	155	purposes, or
156	156	(c) directly or indirectly solicits for
157	157	collection debts owed or due or asserted to
158	158	be owed or due to another.
159	159	b. Collection agency does not include:
160	160	(1) any officer or employee of a creditor while, in
161	161	the name of the creditor, collect ing debts for
162	162	such creditor,
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214	214	(2) any person while acting as a collection agency
215	215	for another person, both of whom are related by
216	216	common ownership or affiliated by corpo rate
217	217	control, if the person acting as a collection
218	218	agency does so only for creditors to whom it is
219	219	so related or affiliated and if the principal
220	220	business of the person is not the collection of
221	221	debts,
222	222	(3) any officer or employee of the United States or
223	223	any state to the extent that collecting or
224	224	attempting to collect any debt is in the
225	225	performance of the officer ’s or employee’s
226	226	official duties,
227	227	(4) any person while serving or attemp ting to serve
228	228	legal process on any other person in connection
229	229	with the judicial enforcement of any debt,
230	230	(5) any person collecting or attempting to collect
231	231	any debt owed or due or asserted to be owed or
232	232	due to another to the extent that:
233	233	(a) the activity is incidental to a bona fide
234	234	fiduciary obligation or a bona fide escrow
235	235	arrangement,
236	236	(b) the activity concerns a debt that was
237	237	extended by the person,
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289	289	(c) the activity concerns a debt that was not in
290	290	default at the time it was obtained by the
291	291	person, or
292	292	(d) the activity concerns a debt obtained by the
293	293	person as a secured party in a c ommercial
294	294	credit transaction involving the creditor,
295	295	or
296	296	(6) any person whose principal business is the making
297	297	of loans or the servicing of debt not in default
298	298	and who acts as a loan correspondent, seller and
299	299	servicer for the owner, or holder of a debt that
300	300	is secured by a deed of trust on real property,
301	301	whether or not the debt is also secured by an
302	302	interest in personal property.
303	303	c. Notwithstanding the provisions of subparagraph b of
304	304	this paragraph, collection agency includes any person
305	305	who, in the process o f collecting the person ’s own
306	306	debts, uses another name that would indicate that a
307	307	third person is collecting or attempting to collect
308	308	such debts;
309	309	3. a. “Debt” means any obligation or alleged obligation of a
310	310	consumer to pay money arising out of a transaction,
311	311	whether or not the obligation has been reduced to
312	312	judgment.
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364	364	b. Debt does not include a debt for business, investment,
365	365	commercial, or agricultural purposes or a debt
366	366	incurred by a business;
367	367	4. “Debt collector” means any person employed or engaged by a
368	368	collection agency to perform the collection of debts owed or due or
369	369	asserted to be owed or due to another;
370	370	5. “Hospital” means, consistent with 45 C.F.R., Section 180.20,
371	371	a hospital licensed by the State Department of Health under Section
372	372	1-702 of Title 63 of the Oklahoma Statutes; and
373	373	6. “Items and services” or “items or services” means items and
374	374	services as defined in 45 C.F.R., Section 180.20.
375	375	SECTION 2. NEW LAW A new section of law to be codified
376	376	in the Oklahoma Statutes as Sect ion 1-725.12 of Title 63, unless
377	377	there is created a duplication in numbering, reads as follows:
378	378	A. On and after the effective date of this act, no debt
379	379	collector shall initiate or pursue a collection action against the
380	380	patient or patient guarantor for a debt owed for the items or
381	381	services purchased from , or provided to a patient by , the hospital
382	382	to a collection agency.
383	383	B. Nothing in this act:
384	384	1. Prohibits a hospital from billin g a patient, patient
385	385	guarantor, or third-party payer, including a health insur er, for
386	386	items or services provided to the patient; or
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438	438	2. Requires a hospital to refund any payment made to the
439	439	hospital for items or services provided to the patient, so long as
440	440	no collection action is taken in violation of this act.
441	441	SECTION 3. This act shall become effective November 1, 2025 .
442	442
443	443	60-1-1071 CAD 1/13/2025 9:03:34 AM

Oklahoma 2025 Regular Session

Oklahoma Senate Bill SB519 Compare Versions