ACA International et al. v. Fulford

Docket No.
1:25-cv-03530
District Court
Colorado

Goal

  • Block enforcement of a law
  • Declaration that a law is unlawful

Issues

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.

13 Major Filings

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Related Litigation

Current Status

Briefing is ongoing

Important Date

Defendant's Motion to Dismiss Due

Legal Issues

Supremacy Clause, First Amendment - Free Speech Clause

Date Filed
November 5, 2025
Case Type
Civil
Court Type
District Court
Court
Colorado
Judge
Jackson, Richard B. Appointed By: Barack Obama
Plaintiff(s)
ACA International; Fresno Credit Bureau
Lead Counsel For Plaintiff(s)
Brownstein Hyatt Farber Schreck, LLP
Defendant(s)
Martha Fulford
Lead Counsel for Defendant(s)
Government