1. Short title This Act may be cited as the Protecting Native Americans’ Credit Act of 2024 . 2. Amendments to Fair Credit Reporting Act (a) Native american’s 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) Native American The term Native American has the meaning given the term Indians or Indian in section 1603 of title 25, United States Code, and further includes the term California Indian as defined in that section. (cc) Native American’s medical debt The term Native American’s medical debt — (1) means a debt of a Native American arising from health care provided in a non-Indian Health Service facility that was authorized by an employee of the Indian Health Service; and (2) includes medical debt that the Secretary of Health and Human Services has wrongfully charged a Native American. . (b) Exclusion for Native American’s medical debt Section 605(a) of the Fair Credit Reporting Act ( 15 U.S.C. 1681c ) is amended by adding at the end the following: (9) Any information related to a Native American’s medical debt if the date on which the hospital care or medical services was rendered relating to the debt antedates the report by less than 1 year. (10) Any information related to a fully paid or settled Native American’s medical debt that had been characterized as delinquent, charged off, or in collection. . (c) Removal of Native American’s medical debt from consumer report Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ) is amended— (1) in subsection (a)(1)(A) by striking and except as provided in subsection (g) and inserting and except as provided in subsections (g) and (h)