Prohibits medical creditors from reporting medical debt to credit reporting agency.

This bill (A890) prohibits medical creditors from reporting unpaid medical debt to credit reporting agencies. It directly affects patients who owe money for health care services, preventing their medical debts from negatively impacting their credit scores. The law defines "medical creditors" as health care providers (like doctors or hospitals) or entities that purchase medical debt, and bans them from reporting any portion of such debt to credit bureaus. The provision takes effect 30 days after enactment.