; and (2) in section 625(b)(5)(A), by striking section 605(g) and inserting section 605(f) . 102. Mandates the expedited removal of fully paid or settled debt from consumer reports Section 605(a) of the Fair Credit Reporting Act ( 15 U.S.C. 1681c(a) ), as amended by section 101(a)(1), is further amended by adding at the end the following new paragraph: (13) Any other adverse item of information related to a fully paid or settled 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 calendar days. . 103. Prohibits the appearance of medical debt on consumer reports (a) Prohibition on reporting medical procedures Section 605(a) of the Fair Credit Reporting Act ( 15 U.S.C. 1681c(a) ), as amended by section 102, is further amended by adding at the end the following new paragraph: (14) Any information related to a debt arising from a medical procedure. . (b) Technical amendment Section 604(g)(1)(C) of the Fair Credit Reporting Act ( 15 U.S.C. 1681b(g)(1)(C) ) is further amended by striking devises and inserting devices . 104. Provides credit restoration for victims of predatory mortgage lending and servicing (a) In general The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) is amended by inserting after section 605C the following new section: 605D. Credit restoration for victims of predatory mortgage lending (a) In general A consumer reporting agency may not furnish any consumer report containing any adverse item of information relating to a covered residential mortgage loan (including the origination and servicing of such a loan, any loss mitigation activities related to such a loan, and any foreclosure, deed in lieu of foreclosure, or short sale related to such a loan), if the action or inaction to which the item of information relates— (1) resulted from an unfair, deceptive, or abusive act or practice, or a fraudulent, discriminatory, or illegal activity of a financial institution, as determined by the