{"data":{"id":"us-md/md.-code-commercial-law-14-1213","jurisdiction":"us-md","citation":"Md. Code, Commercial Law § 14–1213","heading":"","body":"(a) (1) In this section, “medical debt” means debt owed by a consumer to:\n(i) A person whose primary business is providing medical services, products, or devices; or\n(ii) The person’s agent or assignee for the provision of medical services, products, or devices.\n(2) “Medical debt” includes medical bills that:\n(i) Are not past due; or\n(ii) Have already been paid.\n(3) “Medical debt” does not include debt charged to a credit card unless the credit card is issued under an open–end or closed–end credit plan offered solely for the payment of health care services.\n(b) (1) A consumer reporting agency may not:\n(i) Make, create, or furnish any consumer report containing, incorporating, or reflecting:\n1. Any adverse information that the consumer reporting agency knows or should know relates to medical debt incurred by the consumer; or\n2. Any collection action against a consumer to collect medical debt; or\n(ii) Maintain in a file on a consumer any information relating to:\n1. Medical debt incurred by the consumer; or\n2. Any collection action against the consumer to collect medical debt.\n(2) The prohibitions established under paragraph (1) of this subsection apply regardless of when medical debt was incurred by a consumer.\n(c) A person may not use medical debt information included in a consumer report to make a determination regarding the creditworthiness of the consumer.","path":["Article - Commercial Law"],"source_url":"https://mgaleg.maryland.gov/mgawebsite/Laws/StatuteText?article=gcl\u0026section=14-1213","current_through":"2026-01-01","vintage":"","retrieved_at":"2026-09-14T19:56:33Z","sha256":"642bd1e631cd0dd4a5a5815357e583a313e743c0bf1db5d38033bd6ae9091244","source_id":"us-md","stale":false,"prev":"us-md/md.-code-commercial-law-14-1212.3","next":"us-md/md.-code-commercial-law-14-1215"},"notice":"GroundRules: Original legal text. Not legal advice."}