SecBot SecBot

PATCH Act

S. 4622 Sen. John Kennedy (R-LA) In committee
Bill text PDF
  1. Introduced May 21
  2. Committee May 21
  3. Passed Senate Next
  4. Passed House Not yet
  5. To President Not yet
  6. Law Not yet
Where it stands
In committee, May 21, 2026Next: Senate vote
160d ago May 21, 2026: Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.
Final votes
No roll callsNo recorded vote on this bill yet
Lobbying
1company, 2 filings
Subscribe to see spend
Member trades
0trades in the last 90 days
None in these companies
Who backs the bill and who pushes back Subscribe

Companies lobbying on this bill

1 company
Companies by sector
Financials 1
Search all 1 companies, their asks and price moves Subscribe

Summary

This bill amends the Fair Credit Reporting Act to prohibit the inclusion of medical debt on consumer reports and restricts creditors from using medical debt information in credit decisions. Sec. 2, Amendments to Fair Credit Reporting Act: This section defines 'medical debt' as debt from medical services, products, or devices, and amends the Act to exclude any adverse information related to medical debt from consumer reports, while allowing consumer reporting agencies to still collect such information. It also makes technical changes to remove references to medical information in other sections. Sec. 3, Modification of Regulations Relating to Prohibitions on Use of Medical Debt Information: Within one year of enactment, the Director of the Bureau of Consumer Financial Protection must amend regulations to prohibit creditors from obtaining or using a consumer's medical debt information when deciding whether to extend credit.

Summary of the bill text as introduced in Senate (May 21, 2026), generated by SecBot from the official bill text; the Library of Congress summary is not yet published.

Official record from Congress.gov, the House Clerk and the Senate; lobbying from Lobbying Disclosure Act filings. Updated Oct 28, 2026.