Illinois SB 3259: CONSUMERS-MEDICAL DEBT REPORTS

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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

SB3259LRB104 20068 SPS 33519 b

1 AN ACT concerning business.

2 Be it enacted by the People of the State of Illinois, 

3represented in the General Assembly:

4 Section 5. The Consumer Fraud and Deceptive Business 

5Practices 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 

10collection agency or law firm to collect payment for services 

11from a consumer for health care services. 

12 "Collection agency" means any individual, partnership, 

13corporation, trust, estate, co-operative, association, 

14government or government subdivision, agency, or other entity 

15that either purchases medical debt or collects medical debt on 

16behalf of another entity.

17 "Consumer report" and "credit report" have the meaning 

18ascribed to the term "consumer report" under 15 U