{"id":"bd5af828-e714-43c4-b619-f4550e493de8","feedVisibility":"normal","congress":119,"billType":"sjres","billNumber":36,"title":"A joint resolution providing for congressional disapproval under chapter 8 of title 5, United States Code, of the rule submitted by the Bureau of Consumer Financial Protection relating to \"Prohibition on Creditors and Consumer Reporting Agencies Concerning Medical Information (Regulation V)\".","displayTitle":"关于依据美国法典第5编第8章对消费者金融保护局提交的涉及禁止债权人和消费者报告机构使用医疗信息规则进行国会否决的联合决议","abstract":"本联合决议废止消费者金融保护局发布的最终规则，该规则题为禁止债权人和消费者报告机构使用医疗信息（V条例），于2025年1月14日发布。该规则禁止将医疗债务纳入消费者信用报告。本联合决议将使上述规则不具法律效力。","displaySummary":"

YVN Summary

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2025年1月，消费者金融保护局最终确定了一项规则，禁止信用报告机构将医疗债务纳入消费者信用报告。本联合决议将依据国会审查法废除该规则——这意味着医疗债务将再次出现在信用报告中，并影响贷款申请、租房申请等的审批结果。支持者认为医疗债务通常是意外事件的结果，不应影响信用评分；反对者则认为债务信息对于评估借款人还款能力至关重要。

","status":"COMMITTEE_CONSIDERATION","topics":["ECONOMY","GOVERNMENT_OPERATIONS","HEALTHCARE"],"introducedAt":"2025-03-11T00:00:00+00:00","latestActionAt":"2025-03-11T00:00:00+00:00","congressGovUrl":"https://www.congress.gov/bill/119th-congress/senate-joint-resolution/36","accountabilityFlags":{"corporate_benefits":["↑ 信用机构和贷款方的灵活性 —— 医疗债务数据恢复为允许的评分输入"],"average_household_impact":["↓ 信用报告中的医疗债务排除 —— CFPB规则被作废，医疗债务可重新出现在评分中","↓ 消费者获取信贷的渠道 —— 约1500万美国人将重新带有影响抵押贷款、汽车贷款和租房审批的医疗债务记录"],"transparency_accountability":["↑ 国会审查法的运用 —— 联合决议依据第5编第8章作废已最终确定的机构规章"]},"tldr":"废除消费者金融保护局禁止医疗债务出现在信用报告中的规定，这意味着可能影响约1500万美国人信用评分的记录将重新出现。","summaryStandard":null,"flagExplainers":{},"flagValence":{},"needsResummary":false,"displaySummaryHtml":null,"rawStatusText":"Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.","chamber":"SENATE","policyArea":"Finance and Financial Sector","legislativeSubjects":[],"lawStatus":null,"lawNumber":null,"latestActionText":"Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.","latestTextVersion":"Introduced in Senate","textVersionUsed":"Introduced in Senate","dateAdded":"2026-04-19T00:00:00+00:00","summarizedAt":"2026-04-19T00:00:00+00:00","recordId":"bd5af828-e714-43c4-b619-f4550e493de8","feedIdentityKey":"119/sjres/36","websiteBillId":"SJRES-36","yourvoiceSummary":"2025年1月，消费者金融保护局最终确定了一项规则，禁止信用报告机构将医疗债务纳入消费者信用报告。本联合决议将依据国会审查法废除该规则——这意味着医疗债务将再次出现在信用报告中，并影响贷款申请、租房申请等的审批结果。支持者认为医疗债务通常是意外事件的结果，不应影响信用评分；反对者则认为债务信息对于评估借款人还款能力至关重要。","updatedAt":"2026-10-25T08:04:54.377+00:00"}