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An Act To Protect Maine Citizens' Credit
Be it enacted by the People of the State of Maine as follows:
Sec. 1. 10 MRSA §1320, sub-§3-A,  as enacted by PL 1993, c. 365, §1, is amended to read:
 
3-A. Medical expenses debts; court or administrative orders.  AExcept as provided in section 1330, a debt collector may report overdue medical expenses for a minor child to a consumer reporting agency only in the name of the responsible party identified in a court order or administrative order if the debt collector is notified orally or in writing of the existence of the order. In addition, a report may not be made until after the debt collector has notified, or made a good faith effort to notify, the responsible party of that party's obligation to pay the overdue medical expenses. Existing information regarding overdue medical expenses for a minor child in the name of a person other than the responsible party identified in a court order or administrative order is considered inaccurate information for the purposes of section 1317 and is subject to correction. A debt collector or consumer reporting agency may request reasonable verification of the order, including a certified copy of the order.
Sec. 2. 10 MRSA §1330  is enacted to read:
§ 1330.  Reporting of information related to debt resulting from necessary medical treatment
 
1.  Definition.     As used in this section, unless the context otherwise indicates, "necessary medical treatment" means medical treatment for a life-threatening condition, without which the likelihood of death is probable.
 
2.  Furnishing information to consumer reporting agency prohibited.     A person who provides medical treatment or a debt collection agency may not furnish information to a consumer reporting agency regarding an amount owed by a consumer for the receipt of necessary medical treatment by the consumer or a person to whom the consumer has a legal obligation to provide support.
 
3.  Penalty.     A person who provides medical treatment or a debt collection agency that violates this section is liable to the consumer against whom the violation occurs for the greatest of:
 
A.  Three times the amount of actual damages to the consumer;
 
B.  One thousand dollars plus reasonable attorney's fees and court costs; and
 
C.  The amount of costs and damages provided in section 1322 or 1323.
 
SUMMARY
This bill prohibits a person who provides medical treatment or a debt collection agency from furnishing information to a consumer reporting agency regarding an amount owed by a consumer for the receipt of necessary medical treatment by the consumer or by a person to whom the consumer has a legal obligation to provide support.