SENATE BILL 230
By Campbell
HOUSE BILL 223
By Clemmons
HB0223
001013
- 1 -
AN ACT to amend Tennessee Code Annotated, Title 9,
Chapter 8; Title 16; Title 18; Title 20; Title 21; Title
27; Title 28; Title 29; Title 45 and Title 47, relative
to credit data.
BE IT ENACTED BY THE GENERAL ASSEMBLY OF THE STATE OF TENNESSEE:
SECTION 1. Tennessee Code Annotated, Title 47, Chapter 18, is amended by adding
the following as a new part:
47-18-5801.
As used in this part:
(1) "Consumer report" has the same meaning as defined by 15 U.S.C. §
1681a(d);
(2) "Consumer reporting agency" has the same meaning as defined by
15 U.S.C. § 1681a(f); and
(3) "Medical debt" means a debt reported to a collection agency or a
judgment entered by a court for the collection of a debt that was incurred due to
the cost of healthcare services and related expenses.
47-18-5802.
(a) Beginning July 1, 2025, a consumer reporting agency shall not include on a
consumer report a record of a medical debt that is filed in this state.
(b) If a consumer reporting agency includes information in a consumer report in
violation of subsection (a), then the person to whom the consumer report applies may
dispute the completeness or accuracy of such information, as provided under the federal
Fair Credit Reporting Act (15 U.S.C. § 1681i).
- 2 - 001013
47-18-5803.
(a) A violation of this part constitutes a violation of the Tennessee Consumer
Protection Act of 1977, compiled in part 1 of this chapter. A violation of this part
constitutes an unfair or deceptive act or practice affecting trade or commerce and is
subject to the penalties and remedies as provided in the Tennessee Consumer
Protection Act of 1977, in addition to the penalties and remedies in this part.
(b) The attorney general and reporter has all of the investigative and
enforcement authority that the attorney general and reporter has under the Tennessee
Consumer Protection Act of 1977 relating to alleged violations of this part. The attorney
general and reporter may institute any proceedings involving alleged violations of this
part in Davidson County circuit or chancery court or any other venue otherwise permitted
by law.
(c) Costs of any kind or nature cannot be taxed against the attorney general and
reporter or the state in actions commenced under this part.
SECTION 2. This act takes effect July 1, 2025, the public welfare requiring it.