Medical debt would no longer show up as negative information on credit reports. Lenders also could not use it when deciding whether to approve credit.
Modern Action explains what the legislation does, 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.
PATCH Act is a Senate bill in committee. The latest recorded action: Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Latest action on S. 4622: Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Who this affects: This bill mainly affects people who owe money for medical care, medical products, or medical devices. It also affects credit bureaus, lenders, and creditors because they would have to change how they handle medical debt data.
Why this matters: Medical bills can hurt credit today, and this bill would stop that from happening through credit reports and credit approvals. Credit reports can affect credit cards, car loans, mortgages, and other borrowing. People with large or unexpected medical bills could be treated differently when applying for credit. The bill does not say how lenders would change approval rates, interest rates, or other credit rules.
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: PATCH Act
Medical debt would no longer show up as negative 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 S4622. Modern Action explains what the bill does, helps identify the right senators or representative, and drafts a bill-specific message you can edit and send.
Where it stands
Sitting in Banking
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.
Enter your ZIP to see how your senators and member of Congress have voted, sponsored, or spoken on this bill.
Where this bill is in the process
Introduced
Introduced in Senate
Senate Committee
Under Senate committee consideration
Latest: Read twice and referred to the Committee on Banking, Housing, and Urban Affairs. (5/21/2026)
Senate Floor Vote
Voted on by Senate
Passed Senate
Approved by Senate
House Review
Sent to House 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 senators 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 PATCH Act, 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 does, 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 S4622, your stance, and the reasons you choose, then lets you edit and send when ready.
