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Trump Administration Targets State Laws on Medical Debt Reporting

10/28/2025

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Summary

Story summary

U.S. President Donald Trump’s administration plans to issue a rule by the Consumer Financial Protection Bureau (CFPB), led by Russell Vought, to preempt state credit-reporting laws and undermine medical debt removal.
The move follows a federal judge's decision to vacate a Biden-era rule prohibiting medical debt on credit reports.
Advocates say medical debt does not reflect creditworthiness.
More than 14 million adults owe significant medical debt.
Many states are attempting to limit its reporting.

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Story summary

U.S. President Donald Trump’s administration plans to issue a rule by the Consumer Financial Protection Bureau (CFPB), led by Russell Vought, to preempt state credit-reporting laws and undermine medical debt removal.
The move follows a federal judge's decision to vacate a Biden-era rule prohibiting medical debt on credit reports.
Advocates say medical debt does not reflect creditworthiness.
More than 14 million adults owe significant medical debt.
Many states are attempting to limit its reporting.