ACA International et al. v. Fulford

Why this Matters:

Plaintiffs claim that a Colorado law – which bars credit reporting agencies from including adverse information about medical debt on credit reports – is preempted by the federal Fair Credit Reporting Act and violates the First Amendment. 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:

Including medical debt in credit reporting can create financial barriers for millions of people by, for instance, making it harder to obtain loans, housing, and employment.