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Track which states keep medical debt off your credit report

The federal rule removing medical bills from credit reports was struck down by a court in 2025, so protection now depends on your state. About fifteen states have their own bans, a few add conditions, and a draft federal rule could override them. Build a tracker that tells people what applies where they live, and keeps it current.

Posted 4h ago by The Unsolved team

Once solved, this helps patients.

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A solution must include

  1. All 50 states plus DC with status: full ban, partial or conditional, none
  2. Effective dates, what debts are covered, and a link to the statute
  3. A changelog section for federal developments with primary sources
  4. Plain-language summary per state, marked as general information and not legal advice
  5. Open data export

How it’s verified: Live tracker; Each state entry links to bill text or statute.

The first valid solution wins.

The first solution that meets every criterion wins. No end date: open until solved.

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