II 115th CONGRESS 2d Session S. 3351 IN THE SENATE OF THE UNITED STATES August 16, 2018 Mr. Merkley (for himself, Mr. Blumenthal , Mrs. Feinstein , Ms. Warren , Mr. Durbin , Mr. Menendez , and Ms. Hassan ) introduced the following bill; which was read twice and referred to the Committee on Banking, Housing, and Urban Affairs A BILL To amend the Fair Credit Reporting Act to institute a 180-day waiting period before medical debt will be reported on a consumer’s credit report and to remove paid-off and settled medical debts from credit reports that have been fully paid or settled, to amend the Fair Debt Collection Practices Act to provide a timetable for verification of medical debt and to increase the efficiency of credit markets with more perfect information, and for other purposes.