HB0195

Prohibits medical facilities and collection entities from reporting medical debt to credit reporting agencies in Wyoming.

• Defines key terms including 'medical debt' (obligations related to health care products or services), 'collection entity' (persons purchasing or collecting medical debt), 'credit reporting agency', 'health care services', 'health care products', and 'medical facility'. (W.S. 40-12-115(a))
• Prohibits medical facilities and collection entities operating in Wyoming from reporting any medical debt to credit reporting agencies for use in credit reports, effective July 1, 2025. (W.S. 40-12-115(b))
• Establishes a civil penalty allowing courts to impose damages equal to the amount of medical debt that was improperly reported. (W.S. 40-12-115(c))
• Clarifies that medical debt does not include charges on credit cards unless the credit card is issued specifically for health care-related purchases. (W.S. 40-12-115(a)(vi))
• Preserves the validity of contracts entered into before July 1, 2025. (Sec. 3)
• Updates the definition section of Wyoming's consumer protection law to include the new medical debt reporting prohibition. (W.S. 40-12-102(a)(x), Sec. 2)

Effective: July 1, 2025

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