ACA International et al. v. Consumer Financial Protection Bureau et al.

Why this Matters:

The plaintiffs argue that a regulation barring medical debt from consumer credit reports and prohibiting lenders from using medical information in their lending decisions violates the Administrative Procedure Act, First Amendment, and Appropriations Clause. More than 100 million people are affected by medical debt, which can result in significant financial burdens for families and cause consumers to delay or forego needed medical care.

Potential Impact:

The inability of federal regulators to protect consumers with medical debt can create additional financial challenges for families and negatively impact access to needed health care services.