FIRST CIRCUIT REMANDS MAINE CASE FOR FURTHER ARGUMENT ON FCRA PREEMPTION

FIRST CIRCUIT REMANDS MAINE CASE FOR FURTHER ARGUMENT ON FCRA PREEMPTION

In 2019, Maine passed two laws amending the Main Fair Credit Reporting Act to regulate the reporting of overdue medical debt and debt resulting from economic abuse. Under those laws, credit bureaus cannot report medical debt until it is 180 days overdue, must report medical debt as ordinary consumer credit if the patient is making regular payments, and must remove medical debt from credit reports upon reasonable evidence the debt is fully paid. Credit bureaus must also reinvestigate debts if consumers provide documentation they incurred the debt because of economic abuse, i.e., domestic violence or spousal abuse. If the documentation is substantiated, credit bureaus must remove those debts. Read More