Consumer Protection - As introduced, prohibits healthcare providers from reporting a patient's medical debt to a consumer reporting agency; prohibits consumer reporting agencies from including on a consumer report a record of a medical debt. - Amends TCA Title 9, Chapter 8; Title 16; Title 18; Title 20; Title 21; Title 27; Title 28; Title 29; Title 45; Title 47; Title 63 and Title 68.

SB 402 prohibits healthcare providers from reporting a patient's medical debt to credit bureaus and bans credit bureaus from including medical debt in consumer credit reports. It directly affects patients (preventing medical debt from damaging credit scores), healthcare providers (who can no longer report such debt to bureaus), and credit bureaus (which must remove existing medical debt records). The law takes effect July 1, 2025, covering all medical debt from healthcare services, though providers may still report to debt collectors. Violations are enforced under Tennessee's Consumer Protection Act, with remedies available through the Attorney General's office.