Texas 2025 - 89th Regular

Texas House Bill HB2478 Compare Versions

Only one version of the bill is available at this time.

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1	1	By: Talarico H.B. No. 2478
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6	6	A BILL TO BE ENTITLED
7	7	AN ACT
8	8	relating to the reporting of certain information regarding
9	9	medically necessary debt on a consumer report.
10	10	BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS:
11	11	SECTION 1. Section 20.05, Business & Commerce Code, is
12	12	amended by amending Subsections (a) and (d) to read as follows:
13	13	(a) Except as provided by Subsection (b), a consumer
14	14	reporting agency may not furnish a consumer report containing
15	15	information related to:
16	16	(1) a case under Title 11 of the United States Code or
17	17	under the federal Bankruptcy Act in which the date of entry of the
18	18	order for relief or the date of adjudication predates the consumer
19	19	report by more than 10 years;
20	20	(2) a suit or judgment in which the date of entry
21	21	predates the consumer report by more than seven years or the
22	22	governing statute of limitations, whichever is longer;
23	23	(3) a tax lien in which the date of payment predates
24	24	the consumer report by more than seven years;
25	25	(4) a record of arrest, indictment, or conviction of a
26	26	crime in which the date of disposition, release, or parole predates
27	27	the consumer report by more than seven years;
28	28	(5) a collection account with a medical industry code,
29	29	if the consumer was covered by a health benefit plan at the time of
30	30	the event giving rise to the collection and the collection is for an
31	31	outstanding balance, after copayments, deductibles, and
32	32	coinsurance, owed to an emergency care provider or a facility-based
33	33	provider for an out-of-network benefit claim; [or]
34	34	(6) medically necessary debt, regardless of the date
35	35	on which the medical debt was incurred; or
36	36	(7) another item or event that predates the consumer
37	37	report by more than seven years.
38	38	(d) In this section:
39	39	(1) "Emergency care provider" means a physician,
40	40	health care practitioner, facility, or other health care provider
41	41	who provides emergency care.
42	42	(2) "Facility" has the meaning assigned by Section
43	43	324.001, Health and Safety Code.
44	44	(3) "Facility-based provider" means a physician,
45	45	health care practitioner, or other health care provider who
46	46	provides health care or medical services to patients of a facility.
47	47	(4) "Health care practitioner" means an individual who
48	48	is licensed to provide health care services.
49	49	(5) "Medically necessary debt" means a debt or alleged
50	50	debt arising from the receipt of health care services provided to:
51	51	(A) diagnose or treat an illness, injury,
52	52	condition, or disease or the symptoms of an illness, injury,
53	53	condition, or disease that meet accepted standards of medicine; or
54	54	(B) prevent illness or detect illness at an early
55	55	stage, including preventative screening services, vaccines, and
56	56	tests.
57	57	SECTION 2. Section 20.05(a), Business & Commerce Code, as
58	58	amended by this Act, applies only to a consumer report furnished on
59	59	or after the effective date of this Act. A consumer report
60	60	furnished before the effective date of this Act is governed by the
61	61	law in effect on the date the report was furnished, and the former
62	62	law is continued in effect for that purpose.
63	63	SECTION 3. This Act takes effect September 1, 2025.