SB 614

Consumer Protection - Credit Reporting - Medical Debt (Fair Medical Debt Reporting Act)

Sponsor: Clarence K. Lam (District 12)Committee: FinanceSubject: Commercial Law - Consumer ProtectionStatus: First Reading House Rules and Executive Nominations (as of Dec 1, 2025)

What this bill does

Official synopsis

Prohibiting a consumer reporting agency from including certain medical debt information in a consumer report; prohibiting a person from using medical debt information included in a consumer report when making a creditworthiness determination; prohibiting certain entities from disclosing medical debt to a consumer reporting agency; requiring certain entities to include a certain provision in contracts entered into with a collection entity regarding medical debt; etc.

AI analysis is off. Set ANTHROPIC_API_KEY to enable summaries, pros and cons, and questions.

Analysis reads the bill text, the fiscal note, and the witness list. It is generated by Claude and reviewed by nobody, so check the source documents before you rely on it.

Testimony (0)

MGA witness list

FAV 17FavorableFWA 1Favorable with amendmentsUNF 5UnfavorableINFO 1Information only

Position	Witness	Organization	Testimony
FAV	Morgan, Karen	AARP	Oral + Written (PDF)
FAV	Elliott, Robynlobbyist	American College of Nurse Midwives -Maryland Affiliate	Written (PDF)
FAV	Moore, Tonaeyalobbyist	CASH Campaign of Maryland	Written (PDF)
FAV	Schneiderman, Franzlobbyist	Consumer Auto	Oral + Written (PDF)
FAV	Hudson, Lee	Delaware-Maryland Synod, ELCA	Written (PDF)
FAV	Kelter, Chris	Maryland Centers for Independent Living	Written (PDF)
FAV	Steinwedel, William	Maryland Legal Aid Bureau	Oral + Written (PDF)
FAV	Plante, Cecilia	Maryland Legislative Coalition	Written (PDF)
FAV	Edwards, Donna	Maryland State & District of Columbia AFL-CIO	Written (PDF)
FAV	Coleman, Ryan	President, Randallstown NAACP	Position only
FAV	Paddy, Michaellobbyist	Public Policy Partners	Oral + Written (PDF)
FAV	Kamath, Viraj	RareGen Youth Network	Oral
FAV	Uppalapati, Khartik	RareGen Youth Network	Oral
FAV	Cheung, Byron	The Public Health Law Clinic at the University of Maryland Carey School of Law	Oral + Written (PDF)
FAV	OMalley, Catherine	Women's Law Center	Position only
FAV	Kaplowitz, Richard KAP	Year	Written (PDF)
FAV	Senator Lam, Senator Lamlegislator	Individual	Oral
UNF	Taylor, Zachary	CDIA	Oral + Written (PDF)
UNF	Richards, Evanlobbyist	Maryland Bankers Association	Written (PDF)
UNF	Macon, Diana	PRA Group	Written (PDF)
UNF	Jones, Lisalobbyist	Individual	Oral
UNF	Peters, Scott	Individual	Written (PDF)
FWA	Williams, Irnise	OAG	Written (PDF)
INFO	(MD), State of Maryland	Individual	Written (PDF)

Organizations on record

AARPFAV 1

American College of Nurse Midwives -Maryland AffiliateFAV 1

CASH Campaign of MarylandFAV 1

CDIAUNF 1

Consumer AutoFAV 1

Delaware-Maryland Synod, ELCAFAV 1

Maryland Bankers AssociationUNF 1

Maryland Centers for Independent LivingFAV 1

Maryland Legal Aid BureauFAV 1

Maryland Legislative CoalitionFAV 1

Maryland State & District of Columbia AFL-CIOFAV 1

OAGFWA 1

PRA GroupUNF 1

President, Randallstown NAACPFAV 1

Public Policy PartnersFAV 1

RareGen Youth NetworkFAV 2

The Public Health Law Clinic at the University of Maryland Carey School of LawFAV 1

Women's Law CenterFAV 1

YearFAV 1

Registered lobbyists who testified

FAVElliott, RobynAmerican College of Nurse Midwives -Maryland AffiliateRegistered for: American Association for Marriage and Family Therapists; Amica Center for Immigrant Rights; CareForth; Chase Brexton Health System; Coordinating Center, The; Diabetes Patient Advocacy Coalition…

FAVMoore, TonaeyaCASH Campaign of MarylandRegistered for: CASH Campaign of Maryland

FAVSchneiderman, FranzConsumer AutoRegistered for: Auto Consumer Alliance; Consumer Auto

FAVPaddy, MichaelPublic Policy PartnersRegistered for: American Cancer Society Cancer Action Network; Campaign to Protect Patient Health d/b/a Value of Care Coalition; Chase Brexton Health System; Diabetes Patient Advocacy Coalition; Gaudenzia, Inc.; Gilead Sciences, Inc.…

UNFRichards, EvanMaryland Bankers AssociationRegistered for: Maryland Bankers Association

UNFJones, LisaRegistered for: Aligned Data Centers; American Academy of Anesthesiology Assistants, Inc.; Associated Black Charities; Associated Builders & Contractors; Association of Social Work Boards (ASWB) on behalf of National Strategies, LLC; Atmosphere Data Centers LLC…