; and (2) health care to prevent illness or detect illness at an early stage, when treatment is likely to work best (including preventive services such as pap tests, flu shots, and screening mammograms). . (b) In general Section 605(a) of the Fair Credit Reporting Act ( 15 U.S.C. 1681c(a) ) is amended by adding at the end the following new paragraphs: (9) Any information related to a debt arising from a medically necessary procedure. (10) Any information related to a medical debt, if the date on which such debt was placed for collection, charged to profit or loss, or subjected to any similar action antedates the report by less than 365 calendar days. . 4. Requirements for furnishers of medical debt information (a) Additional notice requirements for medical debt Section 623 of the Fair Credit Reporting Act ( 15 U.S.C. 1681s–2 ) is amended by adding at the end the following: (f) Additional notice requirements for medical debt 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: (1) A notification that the medical debt— (A) may not be included on a consumer report made by a consumer reporting agency until the later of the date that is 365 days after— (i) the date on which the person sends the statement; (ii) with respect to the medical debt of a borrower demonstrating hardship, a date determined by the Director of the Bureau; or (iii) the date described under section 605(a)(10); and (B) may not ever be included on a consumer report made by a consumer reporting agency, if the medical debt arises from a medically necessary procedure. (2) A notification that, if the debt is settled or paid by the consumer or an insurance company before the end of the period described under paragraph (1)(A), the debt may not be reported to a consumer reporting agency. (3) A notification that the consumer may— (A) communicate with an insurance company to determine coverage for the debt