Florida Senate - 2022                                    SB 1384
       
       
        
       By Senator Diaz
       
       
       
       
       
       36-01615-22                                           20221384__
    1                        A bill to be entitled                      
    2         An act relating to late or delinquent medical account
    3         reporting; providing a short title; creating s.
    4         501.0081, F.S.; requiring consumer reporting agencies
    5         to provide a specified grace period before reporting
    6         late or delinquent medical accounts; prohibiting
    7         consumer reporting agencies from including late or
    8         delinquent medical accounts in consumer credit score
    9         calculations for a certain period after such accounts
   10         are reported; providing penalties; requiring the
   11         Department of Agriculture and Consumer Services to
   12         adopt rules; providing an effective date.
   13          
   14  Be It Enacted by the Legislature of the State of Florida:
   15  
   16         Section 1. This act may be cited as the “Florida Consumer
   17  Medical Reporting Protection Act.”
   18         Section 2. Section 501.0081, Florida Statutes, is created
   19  to read:
   20         501.0081 Late or delinquent medical account reporting.—
   21         (1) A consumer reporting agency as defined in 15 U.S.C. s.
   22  1681a(f) doing business in this state:
   23         (a) Shall provide the consumer a 36-month grace period
   24  before reporting a late or delinquent medical account.
   25         (b) May not include a late or delinquent medical account in
   26  a consumer’s credit score calculation for 10 years after the
   27  date the agency reports the late or delinquent medical account.
   28         (2) A consumer reporting agency is subject to a minimum
   29  fine of $10,000 for each violation of subsection (1).
   30         (3) The Department of Agriculture and Consumer Services
   31  shall adopt rules to implement and enforce this section.
   32         Section 3. This act shall take effect July 1, 2022.