Medical debt could no longer show up as bad information on credit reports. Lenders also could not use it when deciding whether to approve credit.
Modern Action explains legislation in plain English, helps you choose whether to support, oppose, or ask for changes, and drafts a message tied to the bill, your stance, and the elected officials who can act on it.
Medical Debt Relief Act of 2025 is a House bill in committee. The latest recorded action: Referred to the House Committee on Financial Services.
Latest action on H.R. 4827: Referred to the House Committee on Financial Services.
Who this affects: This bill mainly affects people with medical bills, credit reporting agencies, and lenders. People with medical debt would be less likely to see those bills hurt their credit reports. Credit bureaus would have to keep negative medical debt information off reports. Lenders would have to make credit decisions without using medical debt information once the required rule is updated.
Why this matters: Medical debt can hurt credit today, even when the debt came from illness, injury, billing confusion, or costs a person could not avoid. This bill would separate those health-related bills from regular credit reporting and lending decisions. It could help people with medical debt qualify for loans, housing, credit cards, or other credit. It could also leave lenders with less information about a borrower’s full debt picture.
You do not have to start with a blank letter. Modern Action turns the bill, your position, and the relevant congressional context into a message you can edit and send. The goal is to make contacting Congress clear, specific, and useful without forcing you to parse bill text or figure out the right office on your own.
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Officially: Medical Debt Relief Act of 2025
Medical debt could no longer show up as bad information on credit reports. Lenders also could not use it when deciding whether to approve credit.
Use this page to support, oppose, or ask Congress to amend HR4827. Modern Action explains Medical Debt Relief Act of 2025 in plain English, helps identify the right senators or representative, and drafts a bill-specific message you can edit and send.
Where it stands
Sitting in House Committee
No vote scheduled. Constituent contact is what moves bills out of committee.
↓ Why your message matters here
This bill is sitting in committee with no scheduled vote — which means a small number of constituent messages can decide whether it moves forward or quietly dies.
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Where this bill is in the process
Introduced
Introduced in House
House Committee
Under House committee consideration
Latest: Referred to the House Committee on Financial Services. (7/29/2025)
House Floor Vote
Voted on by House
Passed House
Approved by House
Senate Review
Sent to Senate for consideration
Passed Both Chambers
Approved by both House and Senate
Signed into Law
Signed by the President
For more detail
Choose one clear position: support, oppose, or amend. Then pick any reasons or personal context you want included. Modern Action uses that input and the bill context to draft a message you can edit and send.
Congressional offices prioritize messages from their own constituents. Modern Action uses your address to route the drafted message to your House representative when that is the most relevant target for this bill.
The draft includes the bill number, your position, the reasons you selected, any personal context you added, and a direct ask such as voting yes, voting no, cosponsoring, opposing, or seeking changes. You stay in control because you can edit the message before sending.
This page gives you an opportunity to support, oppose, or ask for changes to Medical Debt Relief Act of 2025, then contact the elected officials who can act. Modern Action drafts the message from your position and the reasons you select.
Modern Action keeps the action tied to the bill itself: what it would do, where it is in the process (committee), which office can still act, and what ask belongs in the message.
You are not starting from a blank form. Modern Action drafts the message around HR4827, your stance, and the reasons you choose, then lets you edit and send when ready.
