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SB3259 • 2026
CONSUMERS-MEDICAL DEBT REPORTS
This bill passed both chambers and reached final enrollment, even if later executive action is not shown here.
Using official source text because the generated explanation was unavailable or could not be confirmed against the official bill text.
CONSUMERS-MEDICAL DEBT REPORTS
Added as Co-Sponsor Sen. Elgie R. Sims, Jr.
Added as Co-Sponsor Sen. Rachel Ventura
Rule 3-9(a) / Re-referred to Assignments
Added as Co-Sponsor Sen. Doris Turner
Added as Chief Co-Sponsor Sen. Robert Peters
Added as Chief Co-Sponsor Sen. Omar Aquino
Added as Co-Sponsor Sen. Graciela Guzmán
Added as Chief Co-Sponsor Sen. Linda Holmes
Postponed - Judiciary
Assigned to Judiciary
Filed with Secretary by Sen. Christopher Belt
First Reading
Referred to Assignments
CONSUMERS-MEDICAL DEBT REPORTS
Illinois General Assembly - Full Text of SB3259 Select Language × The Illinois General Assembly offers the Google Translate™ service for visitor convenience. In no way should it be considered accurate as to the translation of any content herein. Visitors of the Illinois General Assembly website are encouraged to use other translation services available on the internet. The English language version is always the official and authoritative version of this website. NOTE: To return to the original English language version, select the "Show Original" button on the Google Translate™ menu bar at the top of the window. 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Full Text of SB3259 Home Legislation Full Text SB3259 - 104th General Assembly Bill Status Full Text Votes Witness Slips Select Menu Bill Status Full Text Votes Witness Slips Printer Friendly Version Introduced Printer Friendly Version Introduced Open PDF 104TH GENERAL ASSEMBLY State of Illinois 2025 and 2026 SB3259 Introduced 2/3/2026, by Sen. Christopher Belt SYNOPSIS AS INTRODUCED: 815 ILCS 505/2EEEE Amends the Consumer Fraud and Deceptive Business Practices Act. In provisions concerning medical debt, provides that it is an unlawful practice within the meaning of the Act for any person: (1) to use a medical debt listed on a consumer credit report as a negative or adverse factor when making a credit decision; or (2) to furnish information regarding a medical debt to a consumer reporting agency. Provides that a medical debt is void and unenforceable if a person to whom a medical debt is owed or an agent of that person knowingly furnishes information regarding the medical debt to a consumer reporting agency. LRB104 20068 SPS 33519 b A BILL FOR SB3259 LRB104 20068 SPS 33519 b 1 AN ACT concerning business. 2 Be it enacted by the People of the State of Illinois, 3 represented in the General Assembly: 4 Section 5. The Consumer Fraud and Deceptive Business 5 Practices Act is amended by changing Section 2EEEE as follows: 6 (815 ILCS 505/2EEEE) 7 Sec. 2EEEE. Credit reporting; medical debt. 8 (a) As used in this Section: 9 "Collection action" means any referral of a bill to a 10 collection agency or law firm to collect payment for services 11 from a consumer for health care services. 12 "Collection agency" means any individual, partnership, 13 corporation, trust, estate, co-operative, association, 14 government or government subdivision, agency, or other entity 15 that either purchases medical debt or collects medical debt on 16 behalf of another entity. 17 "Consumer report" and "credit report" have the meaning 18 ascribed to the term "consumer report" under 15 U.S.C. 19 1681a(d). 20 "Consumer reporting agency" has the meaning ascribed to 21 that term in 15 U.S.C. 1681a(f). 22 "Medical debt" means a debt arising from the receipt of 23 health care services, products, or devices. SB3259 - 2 - LRB104 20068 SPS 33519 b 1 "Medical debt" does not include debt charged to a credit 2 card or an open-end or close-end extension of credit made by a 3 financial institution to a borrower unless the open-end or 4 close-end extension of credit may be used by the borrower 5 solely for the purpose of the purchase of health care 6 services. 7 (b) It is an unlawful practice within the meaning of this 8 Act for a consumer reporting agency: 9 (1) to make, create, or furnish any consumer report or 10 credit report containing, incorporating, or reflecting any 11 adverse information that the consumer reporting agency 12 knows or should know relates to medical debt incurred by 13 the consumer or a collection action against the consumer 14 to collect medical debt; and 15 (2) to maintain in the file on a consumer any 16 information relating to medical debt incurred by a 17 consumer or a collection action against the consumer to 18 collect medical debt. 19 (c) It is an unlawful practice within the meaning of this 20 Act for any person: 21 (1) to use a medical debt listed on a consumer credit 22 report as a negative or adverse factor when making a 23 credit decision; or 24 (2) to furnish information regarding a medical debt to 25 a consumer reporting agency. 26 (d) A medical debt is void and unenforceable if a person to SB3259 - 3 - LRB104 20068 SPS 33519 b 1 whom a medical debt is owed or an agent of that person 2 knowingly violates paragraph (2) of subsection (c). 3 (Source: P.A. 103-648, eff. 1-1-25; 104-417, eff. 8-15-25.) 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