2025
STATE OF WYOMING
25LSO-05831HB0195
HOUSE BILL NO. HB0195
Credit reporting-medical debt.
Sponsored by: Representative(s) Provenza and Andrew and
Senator(s) Barlow and Hutchings
A BILL
for
1 AN ACT relating to consumer protection; prohibiting the
2 reporting of medical debt to credit reporting agencies;
3 creating a civil penalty; providing definitions; making
4 conforming amendments; specifying applicability; and
5 providing for an effective date.
6
7
8
9. W.S. 40-12-115 is created to read:
10
11
12
13
14 (a) As used in this section:
15 2025STATE OF WYOMING25LSO-05832HB01951 (i) "Collection entity" means any person that
2 purchases medical debt from or collects medical debt on
3 behalf of another person;
4
5 (ii) "Credit report" means as defined in W.S.
6 40-12-501(a)(iv);
7
8 (iii) "Credit reporting agency" means a person
9 that collects and sells information about a person's credit
10 history;
11
12 (iv) "Health care product" means a product
13 including, but not limited to, a good, device, durable
14 medical equipment or prescription drug provided in the
15 provision of health care services;
16
17 (v) "Health care services" means as defined in
18 W.S. 26-13-303(a)(ii);
19
20 (vi) "Medical debt" means an obligation or
21 alleged obligation of a consumer to pay any amount related
22 to the receipt by the consumer of health care products or
23 health care services. "Medical debt" shall not include debt 2025STATE OF WYOMING25LSO-05833HB0195
1 charged to a credit card unless the credit card is issued
2 under an open-end or closed-end credit plan offered
3 specifically for the payment of charges related to health
4 care products or health care services;
5
6 (vii) "Medical facility" means a hospital,
7 clinic, office, nursing home or other facility where a
8 health care provider provides health care products or
9 services to patients.
10
11 (b) On and after July 1, 2025, each medical facility
12 and each collection entity doing business in this state
13 shall not report any portion of a medical debt to a credit
14 reporting agency for use in a credit report.
15
16 (c) If a medical facility or collection entity
17 violates this section, a court of competent jurisdiction
18 may impose a civil penalty on the medical facility or
19 collection entity in the amount of the medical debt
20 reported.
21
22. W.S. 40-12-102(a)(x) is amended to read:
23 2025STATE OF WYOMING25LSO-05834HB01951
2
3 (a) As used in this act:
4
5 (x) "This act" means W.S. 40-12-101 through
640-12-115.
7
8Nothing in this act is to be construed to
9 impair any contract entered into before July 1, 2025.
10
11This act is effective July 1, 2025
12
13 (END)