Fund the fight to keep medical debt off credit reports and protect families from financial ruin

For too many families, one medical emergency is all it takes to send life into freefall. Parents skip groceries to cover hospital bills. Kids watch their moms and dads take on second jobs just to keep the lights on. Then, long after the stitches heal and the treatments end, the debt follows them, dragging down credit scores, blocking apartments, and crushing the chance for a better life.

That’s why President Biden’s Consumer Financial Protection Bureau took bold action to end this cycle. The CFPB banned credit bureaus from reporting medical debt, giving 15 million Americans a fair shot to rebuild. Nearly $49 billion in debt was wiped from credit records overnight. For many, credit scores rose by 20 points or more. It meant hope, stability, and relief for families just trying to recover from a medical crisis.

But now Trump-appointed officials inside the CFPB are trying to bring it all back. They’ve moved to undo these protections, allowing lenders and employers to once again use medical debt against people. Even debt from emergencies, insurance delays, or billing errors could reappear on millions of credit reports. Fifteen states that protected families from this cruelty could see their laws overridden.

If this rollback succeeds, it will devastate working parents and patients across the country. Imagine watching your child recover from surgery, then finding out your credit tanked because the hospital sent your bill to collections. 

Contribute to Americans for Health and fund the fight to keep medical debt off credit reports and protect families from financial ruin.