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HB 539

Consumer Protection - As introduced, prohibits healthcare providers from reporting a patient's medical debt to a consumer reporting agency; prohibits consumer reporting agencies from including on a consumer report a record of a medical debt. - Amends TCA Title 9, Chapter 8; Title 16; Title 18; Title 20; Title 21; Title 27; Title 28; Title 29; Title 45; Title 47; Title 63 and Title 68.

114th Regular Session (2025-2026) Introduced by Vincent Dixie

Overview: HB 539, the "Consumer Protection" bill, was referred to the Commerce Committee after being introduced in the House on November 24, 2025.Purpose and Intent: The primary go

P2C, ref. to Commerce Committee
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Bill Summary · HB 539

Overview: HB 539, the "Consumer Protection" bill, was referred to the Commerce Committee after being introduced in the House on November 24, 2025.

Purpose and Intent: The primary goal of this legislation is to protect consumers from the negative impacts of medical debt by prohibiting healthcare providers from reporting unpaid medical bills to consumer reporting agencies and preventing those agencies from including medical debt records on consumer credit reports.

Key Provisions:
- Prohibits healthcare providers from reporting a patient's medical debt to consumer reporting agencies
- Prohibits consumer reporting agencies from including a record of a patient's medical debt on their credit reports

Affected Parties and Impacts: The bill would directly benefit consumers, particularly those who have faced financial hardship due to medical expenses. By preventing medical debt from negatively impacting credit scores, the legislation aims to reduce barriers to accessing other financial services and opportunities.

Procedural and Timeline Considerations: HB 539 has been referred to the House Commerce Committee for further consideration. If passed by the legislature and signed into law, the new consumer protection measures would likely take effect within the following year.

Compiled from official sources — confirm details with the bill’s official record.

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