Consumer Protection - As introduced, prohibits consumer reporting agencies from including on a consumer report a record of a medical debt judgment that is filed in this state. - Amends TCA Title 9, Chapter 8; Title 16; Title 18; Title 20; Title 21; Title 27; Title 28; Title 29; Title 45 and Title 47.

SB 230 prohibits consumer reporting agencies (like credit bureaus) from including medical debt judgments filed in Tennessee on consumers' credit reports. It directly affects Tennessee residents whose medical debts resulted in court judgments, removing these negative marks from their credit history. The law, effective July 1, 2025, requires agencies to exclude such judgments and provides dispute mechanisms under federal law, with enforcement under Tennessee's Consumer Protection Act.