---
type: "Bill"
title: "Consumer Protection - Credit Reporting - Medical Debt (Fair Medical Debt Reporting Act)"
description: "Consumer Protection - Credit Reporting - Medical Debt (Fair Medical Debt Reporting Act)"
jurisdiction: "us/states/md"
legislature: "Maryland General Assembly"
session: "2025"
identifier: "HB 1020"
citation: "Maryland HB 1020 (2025)"
classification: ["bill"]
subjects: []
status: "enacted"
primary_sponsors: ["Palakovich Carr"]
version_count: 4
action_count: 15
vote_count: 3
first_action: "2025-02-03"
last_action: "2025-04-22"
source: "openstates"
source_identifier: "ocd-bill/a79f4649-d6d9-4d18-9760-8ec3211b425c"
source_url: "http://mgaleg.maryland.gov/mgawebsite/Legislation/Details/hb1020?ys=2025RS&search=True"
source_hash: "01e96e3082e12f402a60bb875ca7053d236ebd414f30b468b3f81709e903e794"
vintage: "2026-07-01"
source_snapshot: "https://data.openstates.org/daily/2026-07-01/public.pgdump"
retrieved_at: "2026-07-06"
confidence: "reported"
tags: ["legislation", "bill", "us-md"]
---

# Maryland HB 1020 (2025) — Consumer Protection - Credit Reporting - Medical Debt (Fair Medical Debt Reporting Act)

## Version chain

The bill's text revisions, in order — the diff chain from filing to enrollment.

1. **Chapter - Consumer Protection - Credit Reporting - Medical Debt (Fair Medical Debt Reporting Act)** (committee substitute) — [source](http://mgaleg.maryland.gov/2025RS/Chapters_noln/CH_121_hb1020e.pdf)
2. **Enrolled - Consumer Protection - Credit Reporting - Medical Debt (Fair Medical Debt Reporting Act)** (committee substitute) — [source](http://mgaleg.maryland.gov/2025RS/bills/hb/hb1020e.pdf)
3. **First - Consumer Protection - Credit Reporting - Medical Debt (Fair Medical Debt Reporting Act)** (committee substitute) — [source](http://mgaleg.maryland.gov/2025RS/bills/hb/hb1020f.pdf)
4. **Third - Consumer Protection - Credit Reporting - Medical Debt (Fair Medical Debt Reporting Act)** (committee substitute) — [source](http://mgaleg.maryland.gov/2025RS/bills/hb/hb1020t.pdf)

## Votes

- On Third Reading and Final Passage (Hse concurred) — **102–37** (pass) · lower
- On Third Reading — **101–33** (pass) · lower
- On Third Reading (Amend) — **40–3** (pass) · upper

## Sponsors

- Palakovich Carr — primary (person)

## Timeline

The legislative action history — every referral, reading, and vote.

- **2025-02-03** First Reading Economic Matters `referral-committee`
- **2025-02-04** Hearing 2/18 at 1:00 p.m.
- **2025-03-03** Favorable with Amendments Report by Economic Matters `committee-passage-favorable`
- **2025-03-04** Favorable with Amendments { `committee-passage-favorable`
- **2025-03-04** Second Reading Passed with Amendments
- **2025-03-06** Third Reading Passed `passage`
- **2025-03-07** Referred Finance `referral-committee`
- **2025-04-04** Favorable with Amendments Report by Finance `committee-passage-favorable`
- **2025-04-04** Favorable with Amendments { `committee-passage-favorable`
- **2025-04-04** Second Reading Passed with Amendments
- **2025-04-04** Third Reading Passed `passage`
- **2025-04-07** House Concurs Senate Amendments
- **2025-04-07** Third Reading Passed `passage`
- **2025-04-07** Passed Enrolled
- **2025-04-22** Approved by the Governor - Chapter 121 `executive-signature`

## Source

OpenStates / OpenCivicData bulk snapshot [2026-07-01](https://data.openstates.org/daily/2026-07-01/public.pgdump); origin `ocd-bill/a79f4649-d6d9-4d18-9760-8ec3211b425c`. Confidence: reported (aggregated from official Maryland legislature records).