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Tell Congress: Medical Debt Must Get Off Credit Reports – Support CFPB Rule

The Consumer Financial Protection Bureau (CFPB) has finalized a rule to stop the harmful impact of medical debt on consumers’ credit scores, but new congressional leadership has made repealing the rule a top priority.

S.J. Res.36 and H.J. Res.74, were introduced by U.S. Senator Mike Rounds (R-SD) and Representative Ralph Norman (R-SC) under the Congressional Review Act (CRA). The CRA allows Congress, with the President’s signature, to overturn rules using expedited procedures. If Congress and President Trump overturn the rule, it would allow vast amounts of medical debt information – including inaccurate and disputed bills – to remain in the credit reporting system where it harms the credit scores of millions.

Voice your support now for the CFPB and its rule to remove medical debt from credit reports. Adding your personal medical debt story will make your message more effective.

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Tell your representative to support the CFPB's rule to remove medical debt from credit reports.

Subject: Oppose S.J. Res. 36/H.J. Res. 74; Support CFPB's Rule to Remove Medical Debt from Credit Reports

Message:

I am writing to urge you to oppose S.J. Res. 36/H.J. Res. 74 the resolution to repeal the Consumer Financial Protection Bureau’s (CFPB) medical debt rule and to support a strong and independent CFPB. For decades, medical debt has been a leading cause of financial devastation for millions of Americans, particularly for Black and Latino families, who carry more medical debt due to decades of harmful policies. Now, the CFPB has stepped up with a common sense rule to eliminate medical debt from credit reports, giving 15 million people across the United States a fair shot at financial stability. This groundbreaking move means no more medical bills ruining credit scores or shutting the door to loans, housing, or jobs. The CFPB’s research shows that medical debt doesn’t predict creditworthiness. It’s simply a reflection of our broken healthcare system, and it’s time to stop letting Wall Street profit from this unfair burden. We need you and your colleagues in Congress to stand firm and ensure the CFPB can implement this rule. Medical debt has no place in determining someone’s financial future. Without the protections offered by this rule, an unexpected medical event can turn into years of more expensive loans. Medical debt is unlike any other financial burden. By erasing this debt from credit reports, the CFPB is taking a critical step to ensure consumers’ financial health is not subjected to circumstances beyond their control. The medical debt rule is about real people — teachers, caregivers, ordinary Americans — who’ve been denied mortgages, car loans, or even jobs because of out-of-control medical bills. I urge you to oppose the Congressional Review Act resolution that challenges the rule. Despite obtaining $21 billion in relief for more than 205 million consumers, the CFPB has faced endless attacks from the financial services industry and their allies in Congress. The CFPB is committed to protecting ordinary Americans from corporate abuses that prevent people from making ends meet. This rule is an essential tool for ensuring a more just and equitable financial system. Please get back to me to let me know if you will support the medical debt rule and will stand with the CFPB and the millions of Americans who deserve financial relief. Thank you.

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Tell Congress: Medical Debt Must Get Off Credit Reports – Support CFPB Rule

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Thank You for Supporting the CFPB's Rule to Remove Medical Debt from Credit Reports

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