Protect North Carolinians from Medical Debt.

SB 672 requires large medical facilities in North Carolina (including hospitals, outpatient clinics, and high-revenue practices) to adopt a Medical Debt Mitigation Policy (MDMP) that limits unfair debt collection tactics. The bill bans excessive interest charges, restricts selling medical debt without strict safeguards, and ensures patients eligible for financial assistance don’t pay more than their share - preventing double payments if debt is sold to collectors. It mandates clear, plain-language summaries of financial aid eligibility and requires facilities to calculate charges fairly based on household income. This directly affects patients with medical debt and large healthcare providers, aiming to reduce burdens from debt collection practices.