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B26-0438 • 2025

Medical Debt Mitigation Amendment Act of 2025

Medical Debt Mitigation Amendment Act of 2025

Healthcare Labor
Enacted

This bill passed the Legislature and reached final enactment based on the latest official action.

Sponsor
Henderson
Last action
2026-07-10
Official status
Under Congressional Review
Effective date
Not listed

Plain English Breakdown

The official text is truncated at Section 203(c), so the consequences for patients who do not meet eligibility criteria cannot be confirmed from this source alone.

Medical Debt Mitigation Amendment Act of 2026

This law requires certain healthcare facilities in Washington, D.C., to offer financial assistance and payment plans while limiting how medical debt can be collected or reported.

What This Bill Does

  • Requires specific healthcare facilities to create a written policy for giving free or discounted care to eligible patients residing within the facility's primary service area.
  • Mandates that hospitals report data on financial assistance, unpaid bills, and lawsuits filed against patients to the Department of Health annually.
  • Prohibits reporting medical debt to credit agencies and bans wage garnishments or property liens to collect these debts.
  • Stops healthcare providers from requiring a credit card authorization before services are given unless it is part of an approved lending product.
  • Makes it illegal for facilities to help patients apply for certain high-cost medical loans under specific conditions.

Who It Names or Affects

  • Healthcare facilities in Washington, D.C., that must have a financial assistance policy (excluding intermediate care facilities, skilled nursing facilities, and home health agencies).
  • Patients who owe money for medically necessary services.
  • The District of Columbia Department of Health, which collects reports from hospitals.

Terms To Know

Healthcare facility-FAP
A hospital or clinic required to have a financial assistance policy. This does not include intermediate care facilities, skilled nursing facilities, or home health agencies.
Medical debt
Money owed by a patient for medical services, products, or devices. It includes bills that are not yet past due but excludes regular credit card charges unless they are special medical loans.
Collection entity
A person who buys unpaid medical debt from hospitals or collects the money on their behalf.

Limits and Unknowns

  • The law does not apply to intermediate care facilities, skilled nursing facilities, or home health agencies.
  • Some rules depend on future decisions made by the Department of Health through official rulemaking processes.
  • The provided text ends before fully explaining what happens if a patient does not meet any eligibility criteria for financial assistance.

Bill History

  1. 2026-07-10 Council of the District of Columbia LIMS

    Act A26-0365 Published in DC Register Vol 73 and Page 009402

  2. 2026-07-09 Council of the District of Columbia LIMS

    Transmitted to Congress, Projected Law Date is Sep 18, 2026

  3. 2026-07-06 Council of the District of Columbia LIMS

    Returned from Mayor

  4. 2026-07-02 Council of the District of Columbia LIMS

    Enacted without Mayor's Signature with Act Number A26-0365

  5. 2026-06-16 Council of the District of Columbia LIMS

    Transmitted to Mayor, Response Due on Jul 01, 2026

  6. 2026-06-02 Council of the District of Columbia LIMS

    Legislative Meeting

  7. 2026-05-05 Council of the District of Columbia LIMS

    Legislative Meeting

  8. 2026-04-07 Council of the District of Columbia LIMS

    Committee Mark-up of B26-0438 by the Health Committee

  9. 2025-12-15 Council of the District of Columbia LIMS

    Public Hearing on B26-0438

  10. 2025-11-14 Council of the District of Columbia LIMS

    Notice of Public Hearing Published in the District of Columbia Register

  11. 2025-11-12 Council of the District of Columbia LIMS

    Notice of Public Hearing filed in the Office of Secretary by Health

  12. 2025-10-24 Council of the District of Columbia LIMS

    Notice of Intent to Act on B26-0438 Published in the District of Columbia Register

  13. 2025-10-21 Council of the District of Columbia LIMS

    Referred to Committee on Health

  14. 2025-10-20 Council of the District of Columbia LIMS

    B26-0438 Introduced by Councilmember Henderson at Office of the Secretary

Official Summary Text

Medical Debt Mitigation Amendment Act of 2025

Current Bill Text

Read the full stored bill text
ENROLLED ORIGINAL
AN ACT
D.C. ACT 26-365
IN THE COUNCIL OF THE DISTRICT OF COLUMBIA
SULY 2, 2026
To amend theHealthServicesPlanningProgram Re-establishmentAct of 1996 torequirethe
DepartmentofHealthtocollectcertaindataandtorequirecertainhealthcarefacilities
toofferfinancialassistanceandpaymentplanstoeligiblepatients;toamendChapter38
of Title 28ofthe Districtof Columbia OfficialCode toprohibitthereportingof medical
debttoa creditreportingagency,wage garnishmentsandpropertylienstocollecton a
medicaldebt,andhealthcareprovidersfromassistingpatientswithcompleting
applicationsfor,orpromoting,medicallendingproductsundercertainconditionsorrequiringcreditcardauthorizationbeforethedatethathealthservicesareprovidedor
costsareincurred;toamend Chapter39of Title28 of theDistrictof Columbia to make
a violationof therestrictionson medicallendingproductsan unfairor deceptivetrade
practice;andforotherpurposes.
BE IT ENACTED BY THE COUNCIL OF THE DISTRICT OF COLUMBIA, That this
actmay be citedas the“MedicalDebt MitigationAmendment Actof 2026”.
Sec.2.TheHealthServicesPlanningProgramRe-establishmentActof1996,effective
April9,1997(D.C.Law11-191;D.C.OfficialCode§44-401efseq.),isamendedasfollows:(a)TheexistingtextisdesignatedasTitleI.
(b)Title|isamendedasfollows:(1)Section2(D.C.Code§44-401)isamendedbyaddinganewparagraph(0A)
toreadasfollows:“(10A)“Healthcarefacility-FAP”meansahealthcarefacility,butexcludingan
intermediatecarefacility,skillednursingfacility,orhomehealthagency,thatisrequiredtohave
afinancialassistancepolicyundertitleII.”.(2)Section6(D.C.OfficialCode44-405)isamendedbyaddinganewsubsection
(a-2)toreadasfollows:“(a-2)Beginningoneyearaftertheapplicabilitydateofthissubsection,andannually
thereafter,eachhealthcarefacility-FAPshallprovideawrittenreporttotheDepartmentonitsfinancialassistancepolicy,including:

ENROLLED ORIGINAL
“(1)Thenumberofpatientswhoreceivedfinancialassistanceinthepast12months,disaggregatedbypatientswhoreceivedfreeanddiscountedcate,residency,race,ethnicity,age,andprimarylanguagespoken,ifsuchinformationisavailable;“(2)Thetotalamountoffinancialassistanceprovided,disaggregatedbyamountstoprovidefreeanddiscountedcare;“(3)Thetotalnumberanddollaramountofoutstandingmedicalbillsowedbypatients,includingalistofthemedicalbillamountper patientandthepercentageofthosepatientswhowerescreenedforfinancialassistanceeligibility;(4)Inthepastyear:
“(A)Thenumberofinstancesthehealthcarefacility-FAPhassoldmedicaldebttoacollectionentity,asthattermisdefinedinsection201(1),includingthebusinessnameofthecollectionentity;“(B)Thetotaldollaramountthathasbeensoldtoeachcollectionentity;

and
“(C)Thenumberofinstancesthehealthcarefacility-FAPorcollection
entityactingon behalfof theheathcarefacility-FAPhas commenced litigationagainsta patient
tocollecton medicaldebt,includingthecourtinwhich thelitigationwas commenced;
“(5)A descriptionof how thehealthcarefacility-FAPispublicizingitsfinancial
assistancepolicyandcommunicatingtopatientsabouteligibility;and
“(6)AnyotherinformationrequiredbytheDepartmentthroughrulemaking.”.
(3)Section7(D.C.Code44-406)isamendedbyaddinganewsubsection(e)to
readas follows:
“(e)A healthcarefacility-FAPshallestablisha financialassistancepolicyinaccordance
withtitle[Itoremain ingood standingforitscertificateof need.”.
(c)Anew titleITisaddedtoreadasfollows:
“TITLE I. FINANCIAL ASSISTANCE AND MEDICAL DEBT.
“Sec.201. Definitions.
“Forthepurposesofthistitle,theterm:
“(1)“Collectionentity”meansapersonthatpurchasesmedicaldebtorcollects
medicaldebton behalfof another.
“(2)“Consumerreportingagency”shallhavethesamemeaningasprovidedin
section603(f)of theFairCreditReportingAct,approved October 26, 1970 (84 Stat.1128; 15
US.C.§ 1681a(f).
“(3)“Externalreview”means a reviewof an adversebenefitdetermination,as
thatterm isdefinedinsection101(1)of theHealthBenefitsPlan Members Billof RightsAct of
1998,effectiveApril27, 1999 (D.C.Law 12-274;D.C. OfficialCode § 44-301.01(1)).
“(4)“Financialassistancepolicy”meansthepolicyrequiredbysection202.
“(5)“Medicaldebt”means a debt,includingabill thatisnot pastdue,owed by a
patienttoahealthcareproviderfortheprovisionofmedicalservices,products,ordevices,The

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ENROLLED ORIGINAL
term“medicaldebt”doesnotincludechargestoacreditcardfortheprovisionofmedicalservices,products,ordevices,unlessthecreditcardisamedicallendingproduct.“(6)“Medicallendingproduct”meansanythird-partyfinancing,includingamedicalcreditcardorinstallmentloan,issuedunderanopen-endorclosed-endcreditplanofferedspecificallyforthepaymentofmedicalservices,products,ordevicesprovidedtoapatient. “(7)“Medicallynecessaryhealthservice”meansahealthservice,includingpharmaceuticals,medicalsupplies,andplasticsurgerydesignedtocorrectdisfigurementcausedbyinjury,illness,orcongenitaldefectordeformity,providedbyahealthcareprovidertoapatientthatisnecessarytoprevent,diagnose,ortreatanillness,injury,conditionordisease,ot
thesymptomsofanillness,injury,conditionordisease,andmeetsacceptedstandardsofmedicine,‘Theterm“medicallynecessaryhealthservice”doesnotincludeelectivecosmetic
surgery.““(8)“Patient”meansanindividualwhoreceivesmedicalservices,products,ordevices,includinganindividual’sparentorlegalguardianiftheindividualisaminor,legalguardianiftheindividualisanadultunderguardianship,oranindividual'slegallyappointed
healthcareagent.
“Sec.202.Financialassistancepolicyrequirements.“(a)(1)Eachhealthcarefacility-FAPshallestablishafinancialassistancepolicytoprovidefinancialassistanceformedicallynecessaryhealthservicestoeligiblepatientsresidingwithinthefacility’sdefinedprimaryservicearea.
“(2)Thefinancialassistancepolicyshallinclude:“(A)Eligibilitycriteria;“(B)Thehealthcarefacility-FAP’sbasisforcalculatingamountscharged
topatients;
“(C)Theapplicationprocess,includingtheinformationand
documentationneededfortheapplication;“(D)Theapplicationreviewprocess,includingthemaximumnumberof
daysneededtodetermineapatient’seligibility:“(E)Theprocessforapatienttodisputeanadversefinancialassistance
decision; “(F)Thebillingandcollectionspolicy,includingpossibleactionsinthe
eventofnon-payment;and
“(G)Theprocesstoensurepatientshaveaccessto,andunderstand,thefinancialassistancepolicy“(3)Thefinancialassistancepolicymaynotdiscriminateonthebasisofapatient’shealthinsurancecoveragestatus,citizenshiporimmigrationstatus,orassets.“(b)A healthcarefacility-FAPshallmakeitsfinancialassistancepolicy,includingauser-friendlysummary,publiclyavailable,includingby:
3

ENROLLED ORIGINAL
“(1)Postingthepolicyinaprominentlocationonitswebsite:“(2)Providingwrittennoticeofthepolicytopatientsintheirpreferredlanguageduringtheintakeandregistrationprocessanddischarge,whichshallbeavailableinalllanguagesforwhichtheDepartmentofHealthwouldberequiredtoprovidetranslationofvitaldocumentsundersection4oftheLanguageAccessActof2004,effectiveJune19,2004(D.C.Law15-167;D.C.OfficialCode§2-193):“(3)Postingnoticeoftheavailabilityoffinancialassistanceandinstructionstoapply: “(A)Inhightrafficareas,includingtheemergencydepartment,billing
office,waitingarea,andotheroutpatientsettings;and“(B)Onbillsandstatements;and“(4)A disclaimerintheapplicationmaterialsthatthepatientisnotrequiredtopaythemedicalbilluntiladecisionontheirapplicationhasbeenrendered,inaccordancewithsection203(e).
“Sec.203.Eligibilityforfinancialassistance.
“(a)Exceptinemergencycircumstances,ahealthcarefacility-FAPshallinformpatients
ofthefollowinginformationbeforetheprovisionofamedicallynecessaryhealthservice:
“(1)Ifthepatientisuninsured,agoodfaithestimateofthecostofthehealth
service;and
“(2)Ifthepatientisinsured,agoodfaithestimateofthepatient’scost-sharing
responsibilityunderthepatient’shealthinsuranceplan.
*(b)(1)A healthcarefacilityshallaffirmativelyoffertoscreenapatientforfinancial
assistanceifthepatient:
“(A)Isuninsured;
“(B)Isparticipatinginafederalorlocalpublicassistanceprogram,
includingtheSupplementalNutritionAssistanceProgram,SpecialSupplementalNutrition
ProgramforWomen,Infants,andChildren,TemporaryAssistanceforNeedyFamilies,National
SchoolLunchProgram,Low-IncomeHomeEnergyAssistanceProgram,Medicaid,orDC
HealthcareAlliance;
“(C)Isexperiencinghomelessnessorisatriskofhomelessness,asthose
termsaredefinedinsection2of theHomeless ServicesReform Actof 2025, effectiveOctober
22,2005(D.C.Law 16-35;D.C.OfficialCode§4-751.01);
“(D)Waspreviouslydeterminedtobeeligibleforfinancialassistanceby
thehealthcarefacility-FAPintheprior6-monthperiod;provided,thatthepatient’sincomeor
insurancestatushas not changed duringthattime;or
“(E)SatisfiesanyothercriteriaestablishedbytheDepartmentthrough
rulemaking.

ENROLLED ORIGINAL
“(2)A healthcarefacility-FAPshallalsoaffirmativelyscreenapatientfor
financialassistanceifamemberofthepatient'shouseholdsatisfiesparagraph(1)(B)or(E)of
thissubsection.
“(3)A patientwhoisscreenedforfinancialassistanceeligibilityunderparagraph
(1)ofthis subsectionshallbe deemed eligibleforfinancialassistanceif they applyforfinancial
assistanceandprovidedocumentationthattheysatisfyatleastoneofthecriteriaunderparagraph
(1)ofthissubsection.
“(c)Ifapatientdoesnotmeetanyofthecriteriasetforthinsubsection(b)(1)ofthis
section,thehealthcarefacility-FAPshallscreenthepatientforfinancialassistanceeligibility
uponrequestanddetermineapatient’seligibilityforfinancialassistanceusing:
“(1)Thefollowingproofsofincome:“(A)The patient’smost recentavailabletaxreturn;except,thatthehealth
carefacility-FAPshallexcludeany medicalexpense deductible;
“(B)Tworecentpaystubsfromalladultsinthepatient’shousehold
showingyear-to-dateincome;
“(C)Proofofenrollmentinapublicbenefitsprogram;or
“(D) Otherdocumentationof householdincome identifiedthrough:

rulemaking;and
“(2)Documentationofproofofresidency,includingautilitybill,paystub,bank
statement,government-issuedidentification,or attestationfrom a homelessshelter.
“(d)A healthcarefacility-FAPshallprovidea patient,includingthepatient's
representativeifthepatientisdeceasedanddiedintestate,withtheopportunitytoapplyfor
financialassistanceforupto240daysafterthedateofthefirstpostedmedicalbill;provided,
thata patientwho isthesubjectofa collectionactivityby thefacilityora collectionentitymay
submitan applicationforfinancialassistanceatany timeand thehealthcarefacility-FAPor
collectionentityshallceasecollectionactivityuntilthehealthcarefacility-FAPrendersa
decisionontheapplication,includingadeterminationontheamountofmedicaldebtowed,new
paymentplanterms,ordebtcancellation.
“(e)A healthcarefacility-FAPshalldeterminewhethera patientisentitledtofinancial
assistancewithin30 days afterthepatientfilesa completefinancialassistanceapplicationand:
“(1)Ifapproved,notifythepatientthattheirmedicalbillhasbeenreducedor
eliminated,ofanyamountstilloutstanding,andonhowtoapplyforadditionalfinancial
assistanceforanyremainingbalance;or
(2)Ifdenied,notifythepatientofthedenialandincludeanexplanationofthe
basisforthedenialof financialassistanceand theprocessforappealingthedecision.
(0)A patient’srefusaltobescreenedforfinancialassistanceshallnotbegroundsfor
refusingtoprovidemedicallynecessaryhealthservicesordenyingfinancialassistanceifthe
patientlaterdecidestoapply.
“(g)Thefinancialassistancepolicyshall,ataminimum,provide:
5
ENROLLED ORIGINAL.
“(1)Freecaretopatientswithahouseholdincomeof200%orlessofthefederalpovertylevel;and“(2)Reduced-costcaretopatientswithahouseholdincomeofmorethan200%butnotmorethan500%ofthefederalpovertylevelbyreducingthepatient’sout-of-pocketexpensesforthehealthservice,basedontheamountsgenerallybilledunder26U.S.C.§501(2)(5),by: “(A)75%,forapatientwithahouseholdincomeofmorethan200%butnotmorethan300%ofthefederalpovertylevel;“(B)60%,forapatientwithahouseholdincomeofmorethan300%but
notmorethan400%ofthefederalpovertylevel;and“(C)40%,forapatientwithahouseholdincomeofmorethan400%butnotmorethan500%ofthefederalpovertylevel.“(h)Nothinginthissectionshallbeconstruedtoprohibitorlimitahealthcarefacilityfrom: “(1)Grantingfinancialassistancenotwithstandingapatient'sfailuretoprovide
oneoftherequiredformsofdocumentationdescribedinsubsection(c)ofthissection;“(2)Grantingfinancialassistancetopatientsatincomelevelshigherthanthosespecifiedinthissectionortoprovidegreateramountsoffinancialassistancetopatientsthanthoserequiredbythissection;“(3)Requiringapatienttoundertakegoodfaitheffortstoapplyforandenrollininsuranceprogramsforwhichthepatientmaybeeligibleasaconditionofawardingfinancialassistance;or
“(4)Coordinatinginsurancebenefitswithotherstates,
“Sec.204.Medicalexpensespaymentplans.
“(a)(1)Forapatientwhoisapprovedforreduced-costcarefinancialassistanceunder
section203 (“eligiblepatient”),a healthcarefacility-FAPshalloffera payment planwitha
monthlyinstallmentpaymentnottoexceed3%ofthepatient’smonthlyhouseholdincomeand
withthefirstpaymentnotdueuntilatleast30daysafterthepatientisdischargedorfinished
treatmentatthefacility;provided,that,upon writtenrequestby thepatient,or ifthepatient
currentlyhas a payment planwithinthesame healthcaresystem as thehealthcarefacility-FAP
withahighermonthlyinstallmentpercentage,thehealthcarefacility-FAPmayofferapayment
planwithahighermonthlyinstallmentpayment.
“(2)Any medicaldebtsoldby a healthcarefacility-FAPtoa collectionentity
shallretainthetermsofthepaymentplan.
“(b)(1)A healthcarefacility-FAPshallprovideeacheligiblepatientwith:
“(A)An itemizedmedicalbill;
“(B)A documentexplainingtheexistenceofa paymentplanoption,the
eligiblepatient'seligibility,andhowtorequestapaymentplan;and
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ENROLLED ORIGINAL,
“(C)An opportunitytodiscusswithstaffthepaymentplanoptionpriorto
theeligiblepatientbeingdischarged.
“(2)Aneligiblepatientshallhave45daysafterreceivingthefirststatementto
decidewhethertoentera paymentplan.
*()A healthcarefacility-FAPshallprovidepatientswhoenterintoapaymentplanwith
awrittencopy,viamailoremail,ofthepaymentplanwithin21daysaftertheagreement,which
shall,ata minimum, include:
“(1)Thetotalamountofdebtowed,includingprincipal,fees,andanyother
charges;
“(2)Thescheduleofinstallmentpayments,includingtheexpecteddatebywhich
themedicalbillwillbe paidinfull;and
“(3)Informationonwhetherlateormissedpaymentswouldincurpenalties.
“(d)A healthcarefacility-FAPorcollectionentitymayaccelerateapaymentplanor
declareitindefaultornolongeroperativeif:
“(1)Thepatientfailstomakescheduledpaymentsforatleast3consecutive
months;
“(2)Thehealthcarefacility-FAPorcollectionentityhasmadeatleast3
reasonableattemptstocontactthepatientbytelephoneoranothermethodofcontactpreferredby
thepatient;
“(3)Thehealthcarefacility-FAPorcollectionentityhasprovidedthepatient
writtennoticethatthepayment planmay be declaredindefaultand withan opportunityto
renegotiatethepaymentplan;and
“(4)The healthcarefacility-FAPorcollectionentityhas made a good faitheffort
torenegotiatethetermsofthepaymentplan,ifrequestedbythepatient.
“(e)A healthcarefacility-FAPorcollectionentityshallnotcommencea civilaction
againstthepatientfornonpaymentuntilatleast90daysafterthepaymentplanisdeclaredin
default,
“Sec.205.Compliance and enforcement.
“(a)A violationofthis titleshallbe considereda violationof section 17.
“(b)TheDepartmentshallmaketheinformationreportedbyahealthcarefacility-FAP
pursuanttosection6(a-2)andanycorrectiveactionplansorfinesimposedforaviolationofthis
titlepubliclyavailable.
“(c)(1)TheDepartmentshallcreateaprocessforpatientstosubmitacomplaintrelating
toa healthcarefacility’snoncompliancewiththistitle.
“(2)TheDepartmentshallreviewcomplaintssubmittedpursuanttoparagraph(1)
ofthissubsectionwithin30 daysafterreceiptofthecomplaint.
“(d)The Department shallshareinformationobtainedpursuanttothistitleand section
6(a-2)withtheOfficeoftheAttorneyGeneral,uponrequest,within30daysaftertherequestis
made.
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ENROLLED ORIGINAL
“Sec.206.Rulemaking.“(a)NolaterthantheapplicabilitydateoftheMedicalDebtMitigationAmendmentActof2026,passedon2ndreadingonJune2,2026(EnrolledversionofBill26-438),theMayor,
pursuanttoTitleIoftheDistrictofColumbiaAdministrativeProcedureAct,approvedOctober
21,1968(82Stat.1204;D.C.OfficialCode§2-501etseq.)shallissuerulestoimplementtheprovisionsofthistitle,including:“(1)Minimumrequirementsforpatientappealsregardingtheireligibilityforfinancialassistance;and“(2)TheprocessforpatientstosubmitacomplainttotheDepartmentpursuanttosection205(c).“(b)TheDepartmentshallengagewithhealthcarefacilitiesandpatientadvocatesintherulemakingprocessinordertominimizeadministrativecostsforhealthcareprovidersand
ensureastreamlinedapplicationprocessforpatients.”
Sec.3.Title28oftheDistrictofColumbiaOfficialCodeisamendedasfollows:(a)Chapter38isamendedasfollows:(1)Section28-3814isamendedbyaddinganewsubsection(dd)toreadasfollows:“(dd)(1)Notwithstandinganyotherprovisionofthissection,ahealthcareproviderordebtcollectorshallnotengageinmedicaldebtcollectionuntil180daysafterthedatetheconsumerreceivesthefirstpostedmedicalbillandshallprovideatleast90days”noticetothepatientbeforecommencingmedicaldebtcollection;provided,that,iftheserviceswereprovidedatahealthcarefacility-FAP,thehealthcarefacility-FAPordebtcollectorshall:“(A)Includewiththenoticeastatementthatexplainstheavailabilityoffreeordiscountedcareforqualifyingpatientsandtheprocesstoapplyforfinancialassistance;and “(B)Notengageinmedicaldebtcollectionagainstapatientwhoiseligibleforfinancialassistanceundersection203oftheHealthServicesPlanningProgramRe-establishmentActof1996,passedon2ndreadingonJune2,2026(EnrolledversionofBill26-438),unlessthepatienthasrefusedfinancialassistanceorisreceivingdiscountedcareunderthehealthcarefacility-FAP’sfinancialassistancepolicyandhasdefaultedontheirpaymentplan.*(2)Interestonmedicaldebtshallnotexceed3%annually;except,thatadebtcollectorshallnotchargeanyinterestonmedicaldebtrelatedtoservicesreceivedatahealthcarefacility-FAPifthepatientisreceivingfinancialassistanceandhasnotdefaulted.(3)Ifacourthasenteredajudgmentonamedicaldebtauthorizingahealthcarefacility-FAPor debt collectorto collecton a medical debt and itislaterdetermined thatthe
patientwasnotscreenedforfinancialassistanceeligibilityandisdeterminedtoqualifyforfinancialassistance,thehealthcarefacility-FAPordebtcollectorshall:
8

ENROLLED ORIGINAL
“(A)Requestthecourttovacatethejudgmentinanycollectionlawsuit
overthemedicaldebtandattempttoenterintoapaymentplanwiththepatient;
“(B)Requestthecourttoreducetheamountofthejudgment,including
anyfeesandcostsrelatedtothecollectionlawsuit,tothetotalamountthepatientowes pursuant
tothefinancialassistancepolicythatthepatientqualifiesfor,attempttoenterintoa payment
planwiththepatient,andsuspendallexecutiononthejudgmentwhilethepatientisin
compliancewiththetermsofthepaymentplan;
*(C)Fileapartialsatisfactionofjudgmentsuchthattheremainingunpaid
balanceofthe judgment,includingany feesand costsrelatedtothecollectionlawsuit,isequalto
thetotalamountthepatientowesunderthefinancialassistancepolicythatthepatientqualifies
for,attempttoenterintoa payment planwith thepatient,and suspendallexecutionon the
judgmentwhilethepatientiscompliantwiththetermsofthepaymentplan;or
“(D)Fileasatisfactionofjudgmentandrefundanyexcessamounttothe
patientifthepatienthas paidany partofthemedicaldebtinexcessof the amount thatthepatient
owes afterbeingscreenedforfinancialassistanceeligibility.
“(4)(A)A healthcareprovideror debtcollectorwho knows or shouldhave known
aboutanappealof'ahealthinsurancedecisionthatispendingorwaspendingwithintheprevious
90 days thatforms thebasisof themedicaldebtshallnot:
*())Communicatewiththepatientregardingtheunpaidchargesfor
thepurposeofseekingtocollectthemedicaldebt;
“Gi)Initiatealawsuitorarbitrationproceedingagainstthepatient
relatingtothemedicaldebt;or
“Gii)Refer,sell,or send themedicaldebttoa debtbuyer.
“(B)Forthepurposesofthisparagraph,anappealofa healthinsurance
decisionincludes:
(i)Anappealorgrievancefiledwithaninsurerforareviewofa
decisiontodeny,reduce,limit,terminate,or delaycoveredhealthservices;
“(ii)An independentmedicalreviewbythehealthcareprovider
providingmedicalservices;
“(iii)An appealregardingMedicarecoverageconsistentwith
federallaw and regulations;or
“(iv)An appealorrequestforanexternalreview.
“(5)A healthcareproviderordebtcollectorcollectingonmedicaldebtshallnot:
“(A)Fileapropertylienagainstapatient’sprimaryresidence,or
“(B)Garnishthewagesofa patientwithanannualhouseholdincomeless
than500%ofthefederalpovertylevel.
“*(6)(A)A healthcareprovideror debtcollectorshallnot reporttoa consumer
reportingagencytheamountorexistenceofanymedicaldebtthatapatientowes.
“(B)Subparagraph(A)ofthisparagraphshallnotbeconstruedto
otherwiselimitaconsumerreportingagencyfromreportingknowndebts.
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ENROLLED ORIGINAL
“(7)For purposesofthis subsection,theterm:
“(A) “Healthcarefacility-FAP”shal!have thesame meaning as provided
in§44-401(10A).
“(B)“Healthcareprovider”means a personwhose primarybusinessisto
providemedicalservices,products,or devices,includinga healthcarefacility,asthatterm is
definedin§44-401(10).
“(C)“Medical debt”shallhave thesame meaning as providedinsection
201(5)of theHealthServicesPlanningProgram Re-establishmentAct of 1996,passedon 2nd
readingonJune2,2026(EnrolledversionofBill26-438).
“(D) “Medicaldebtcollection”means debtcollectionof medicaldebt.
The term “medicaldebtcollection”does not includetheactofpostingthefirstmedicalbill,
sendingmonthlystatements,oranattempttoverifyinsurancecoverageorcligibility.”.
(2)A newsection28-3820isaddedtoreadasfollows:
“§ 28-3820.Prohibitionon certainmedicallendingpromotion,
“(a)Forthepurposesofthissection,theterm“medicallendingproduct”shallhavethe
samemeaningasprovidedinsection201(6)ofthe HealthServicesPlanningProgramRe-
establishmentAct of 1996,passedon 2nd readingon June 2,2026 (Enrolledversionof Bill 26-
438).
“(b)A healthcareprovider,asthatterm isdefinedin§ 28-3814(dd)(7)(B),shallnot:
“(1)Complete,orassistapatientincompleting,anyportionofanapplicationfor
amedicallendingproduct;
*(2)Promoteamedicallendingproducttoapatientwho:
“(A)Isundertheinfluenceofgeneralanesthesia,conscioussedation,or
moderationsedation,includinganyperiodinwhichthepatienthasbeenadvisednottoengagein
activitiesduetosuchinfluence;
“(B)Isbeingadministeredtreatment;or
#(C)Isina treatmentarea,includinganexamroom,surgicalroom,or
otherareawhere medicaltreatmentisadministered,unlessan areaseparatedfrom thetreatment
areadoesnotexiston site;
“(3)Charge a medicallendingproductfora medicalprocedurebeforethedateof
theprocedureor beforecostshave been incurred;
“(4)Chargeamedicallendingproductoranotherformofcreditwhenthe
patient'sinsurance,includingMedicaid,willcovertheservices,unlesstheamount isfora copay,
deductible,orco-insurance;
“(5)Requirecreditcardpre-authorizationor requirethepatientto have a credit
cardonfilepriortoadministeringemergencyhealthservices;or
““(6)Ifthe serviceswere providedata healthcarefacility-FAP,as definedin§ 44-
401(10A),offera medicallendingproductor anotherformof credit untilthehealthcarefacility-
FAPhasofferedorconducteda financialassistanceeligibilityscreeningpursuanttosection203
10
ENROLLED ORIGINAL
oftheHealthServicesPlanningProgramRe-establishmentActof1996,passedon2ndreadingonJune2,2026(EnrolledversionofBill26-438).”.(b)Chapier39isamendedasfollows:(1)Section28-3904isamendedasfollows:(A)Subsection(nn)isredesignatedassubsection(I).(B)Subsection(II)isamendedtoreadasfollows:“(l)violateanyprovisionofChapter54ofthistitle;or”.
(C)A newsubsection(mm)isaddedtoreadasfollows:“(mm)violateanyprovisionof§ 28-3820.”.(2)Section28-3909(a)isamendedbystrikingthephrase“28-3819,28-3851”andinsertingthephrase“28-3819,28-3820,28-3851”initsplace.
Sec.4.Section1ofAnActToestablishalienformoneysduehospitalsforservicesrenderedincasescausedbynegligenceorfaultofothersandprovidingfortherecordingandenforcingofsuchliens,approvedJune30,1939(53Stat.990;D.C.OfficialCode§40-201),is
amendedasfollows:(a)Designatetheexistingtextassubsection(a).(b)Subsection(a)isamendedbystrikingthephrase“havealienuponthatpartgoingorbelongingtosuchpatient,ofanyrecoveryorsumhadorcollectedortobecollectedbysuchpatient”andinsertingthephrase“havealienuponthatpartgoingorbelongingtosuchpatient,ofanyrecoveryorsumhadorcollectedortobecollectedbysuchpatient;provided,thatthelien
shallnotexceed33%oftheaward”initsplace.(c)A newsubsection(b)isaddedtoreadasfollows:“(b)Notwithstandingsubsection(a)ofthissection,alienrecordedagainstapatientwithhealthinsuranceinjuredbyreasonofan accidentshallbelimitedtotheamountofthepatient’s
responsibilityundertheirhealthinsurancepolicyiftheinsuranceclaimispaidorthenegotiated
amountwiththehealthinsureriftheclaimisnotpaid.”.
Sec.5.Section15-103oftheDistrictofColumbiaOfficialCodeisamendedasfollows:(a)Designatetheexistingtextassubsection(a).(b)A newsubsection(b)isaddedtoreadasfollows:“(b)Notwithstandingsubsection(a)ofthissection,anorderofrevivalshallnotbe
grantedforajudgmentordecreetoenforcethecollectionofmedicaldebt,asthattermisdefinedinsection201(5)oftheHealthServicesPlanningProgramRe-establishmentActof1996,passedon2ndreadingonJune2,2026(EnrolledversionofBill26-438).”.
Sec.6.Applicability.(a)Thisactshallapply6monthsafterthedateofinclusionofitsfiscaleffectinan
approvedbudgetandfinancialplan.
I

ENROLLED ORIGINAL
(b)TheChiefFinancialOfficershallcertifythedateoftheinclusionofthefiscaleffectinanapprovedbudgetandfinancialplan,andprovidenoticetotheBudgetDirectoroftheCouncilofthecertification.(c)(1)TheBudgetDirectorshallcausethenoticeofthecertificationtobepublishedintheDistrictofColumbiaRegister.(2)Thedateofpublicationofthenoticeofthecertificationshallnotaffectthe
applicabilityofthisact.
Sec.7.Fiscalimpactstatement.‘TheCounciladoptsthefiscalimpactstatementinthecommitteereportasthefiscalimpactstatementrequiredbysection4aoftheGeneralLegislativeProceduresActof1975,approvedOctober16,2006(120Stat.2038;D.C.OfficialCode§1-301.47a).
Sec. 8. Effectivedate.
ThisactshalltakeeffectfollowingapprovalbytheMayor(orintheeventofvetobythe
Mayor,actionbytheCounciltooverridetheveto)anda30-dayperiodofcongressionalreviewasprovidedinsection602(c)(1)oftheDistrictofColumbiaHomeRuleAct,approvedDecember24,1973(87Stat.813;D.C.OfficialCode§ 1-206.02(c)(1)).
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DocketNo.826.0438
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