End reporting medical debt to credit bureaus and curb aggressive debt collection practices.

Gilbert Ray Cisneros, Jr. · California · Democratic

policy impact 4.00 specificity 1.00 extraction confidence 98%

Commitment kind: unknown. Promised action: not established. Promised outcome: not established. Deadline: unknown; not assumed expired.

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Occurrences

End the harmful practice of reporting medical debt to credit bureaus, improve standards and resources for financial assistance to prevent medical debt, and end aggressive debt collection practices that block families from getting stable housing and other forms of financial equity.

The plan commits to stopping medical debt reporting and aggressive collection.

Rep. Cisneros Unveils Health Care Action Plan | Representative Gil Cisneros
primary · press_release · model gpt-5.4-mini

Evidence

legacy_unverified · Source version not recorded · locator unknown

H.R. 4827 was introduced July 29, 2025 and referred to the House Committee on Financial Services. The bill would amend the Fair Credit Reporting Act to prohibit adverse information related to medical debt, including medical debt placed for collection, from consumer reports, and would direct CFPB to prohibit creditors from obtaining or using medical-debt information in credit decisions.

Unverified model/legacy excerpt; not proof. AI summary (separate from source): Official bill text shows a live federal proposal matching the credit-reporting portion of the promise, but it remains introduced/referred rather than enacted. Cisneros is not listed among the original sponsor/cosponsors on this introduced text.

unresolved same_term

H.R. 4827 (IH) - Medical Debt Relief Act of 2025
secondary · model gpt-5.5 · confidence 86%

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legacy_unverified · Source version not recorded · locator unknown

CFPB lists 'Debt Collection Practices (Regulation F); Deceptive and Unfair Collection of Medical Debt, 89 FR 80715 (Oct. 04, 2024)' as withdrawn on May 12, 2025, and also lists 'Bulletin 2022-01: Medical Debt Collection and Consumer Reporting Requirements in Connection With the No Surprises Act' as withdrawn on May 12, 2025.

Unverified model/legacy excerpt; not proof. AI summary (separate from source): The current CFPB withdrawn-guidance page indicates federal guidance aimed at deceptive or unfair medical-debt collection and medical-debt consumer reporting was withdrawn during the current term, leaving this part of the commitment not delivered at the federal level.

never same_term

Withdrawn Guidance | Consumer Financial Protection Bureau
secondary · model gpt-5.5 · confidence 90%

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Assessments

Public state: unverified As of unknown · legacy_unverified · . Original AI recommendation (not independently established): unresolved. same_term

The promised federal outcome has not been delivered. The Biden-era CFPB medical-debt credit-reporting rule was finalized in January 2025 but was vacated in July 2025, and CFPB medical-debt collection/reporting guidance was later withdrawn. H.R. 4827 would address the credit-reporting portion, but it remains only introduced/referred and Cisneros is not shown as a sponsor or cosponsor. Because Cisneros is currently in the federal term in which the promise could still be pursued, this is best treated as unresolved rather than fulfilled; there is also no clear serious Cisneros-specific legislative attempt supporting an effort badge.

provider codex_cli · model gpt-5.5 · confidence 87%