Colorado’s law barring medical debt on consumer credit reports is preempted by a federal credit reporting law and should be blocked, a debt collection industry group said in a lawsuit.
The Fair Credit Reporting Act—the 1970 federal law governing consumer credit reports—allows for the reporting of medical debt and should take precedence over Colorado’s law, debt collection trade group ACA International and Fresno Credit Bureau, a California debt collector, said in a complaint filed Wednesday in the US District Court for the District of Colorado.
Colorado passed its medical debt reporting ban in 2023, while New York and Maryland have ...
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