1. Short title This Act may be cited as the Medical Debt Relief Act of 2020 . 2. Amendments to Fair Credit Reporting Act (a) Medical debt defined Section 603 of the Fair Credit Reporting Act ( 15 U.S.C. 1681a ) is amended by adding at the end the following: (bb) Medical debt The term medical debt means a debt described in section 604(g)(1)(C). . (b) Exclusion for paid or settled medical debt Section 605(a) of the Fair Credit Reporting Act ( 15 U.S.C. 1681c(a) ) is amended by adding at the end the following: (9) Any information relating to a medical debt if the date on which the debt was placed for collection, charged to profit or loss, or subjected to any similar action antedates the report by less than 1 year. (10) Any information relating to a fully paid or settled medical debt that had been characterized as delinquent, charged off, or in collection which, from the date of payment or settlement, antedates the report by more than 45 days. . 3. Amendments to the Fair Debt Collection Practices Act (a) In general Section 809 of the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) is amended by adding at the end the following: (f) Additional notice requirements for medical debt (1) Definitions In this subsection: (A) Consumer reporting agency The term consumer reporting agency has the meaning given the term in section 603(f) of the Fair Credit Reporting Act. (B) Medical debt The term medical debt means a debt arising from the receipt of medical services, products, or devices. (2) Notice about credit reporting Before furnishing information regarding a medical debt of a consumer to a consumer reporting agency, the person furnishing the information shall send a statement to the consumer that includes the following: (A) A notification that the medical debt may not be reported to a consumer reporting agency until the end of the 1-year period beginning on the date on which the person sends the statement. (B) The specific date that is the end of the 1-year period beginning on the date on which the person sends the