1. Short title This Act may be cited as the Consumer Protection for Medical Debt Collections Act . 2. 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 ( 15 U.S.C. 1681a(f) ). (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 later of— (i) the date on which the person sends the statement; and (ii) the last date on which the consumer made any payment to the person with respect to the medical debt. (B) A notification that, if the debt is settled or paid by the consumer or an insurance company before the end of the 1-year period described under subparagraph (A)— (i) the debt may not be reported to a consumer reporting agency; and (ii) the consumer may, any time before the end of such that 1-year period— (I) communicate with an insurance company to determine coverage for the debt