Maryland § 14-1213

§ 14-1213.

    (a)    (1)    In this section, “medical debt” means debt owed by a consumer to:

            (i)    A person whose primary business is providing medical services, products, or devices; or

            (ii)    The person’s agent or assignee for the provision of medical services, products, or devices.

        (2)    “Medical debt” includes medical bills that:

            (i)    Are not past due; or

            (ii)    Have already been paid.

        (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.

    (b)    (1)    A consumer reporting agency may not:

            (i)    Make, create, or furnish any consumer report containing, incorporating, or reflecting:

                1.    Any adverse information that the consumer reporting agency knows or should know relates to medical debt incurred by the consumer; or

                2.    Any collection action against a consumer to collect medical debt; or

            (ii)    Maintain in a file on a consumer any information relating to:

                1.    Medical debt incurred by the consumer; or

                2.    Any collection action against the consumer to collect medical debt.

        (2)    The prohibitions established under paragraph (1) of this subsection apply regardless of when medical debt was incurred by a consumer.

    (c)    A person may not use medical debt information included in a consumer report to make a determination regarding the creditworthiness of the consumer.