"Louisa Carman Medical Debt Relief Act."

The "Louisa Carman Medical Debt Relief Act" (S 2806) prevents consumer reporting agencies from including paid medical debt or medical debt under $500 in credit reports, regardless of when the debt was incurred. It also prohibits medical creditors and debt collectors from reporting medical debt to credit bureaus for services provided after the bill takes effect. The bill requires a 180-day waiting period before collection actions can begin after the first bill is sent, and mandates a 30-day notice to patients before initiating collection efforts. Additionally, it protects patients during pending insurance appeals by banning collection communications and requiring removal of debt information from credit reports if an appeal is active or the debt is paid.