Shown verbatim: the complete text as captured from the official PDF posted by the Oklahoma Legislature, fetched 2026-07-23. Page and line markers are part of the official record; nothing is edited or removed. The official bill page.
1 STATE OF OKLAHOMA
2 1st Session of the 60th Legislature (2025)
3 HOUSE BILL 1709 By: Bennett
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7 AS INTRODUCED
8 An Act relating to debtors and creditors; defining
terms; prohibiting creditors and debt collectors from
9 reporting certain debt; prohibiting consumer
reporting agencies from including certain debt on
10 consumer reports; providing for codification; and
providing an effective date.
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15 BE IT ENACTED BY THE PEOPLE OF THE STATE OF OKLAHOMA:
16 SECTION 1. NEW LAW A new section of law to be codified
17 in the Oklahoma Statutes as Section 181 of Title 24, unless there is
18 created a duplication in numbering, reads as follows:
19 A. As used in this section:
20 1. "Consumer" means an individual who is a resident of this
21 state;
22 2. "Consumer report" has the meaning ascribed to it in 15
23 U.S.C., Section 1681a(d);
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Req. No. 11188 Page 1
1 3. "Consumer reporting agency" means any consumer reporting
2 agency, credit bureau, or similar agency which furnishes a credit
3 report or rating as well as any agency within the meaning ascribed
4 to it in 15 U.S.C., Section 1681a(f);
5 4. "Creditor" means one in whose favor an obligation exists, by
6 reason of which he or she is, or may become, entitled to the payment
7 of money;
8 5. "Debt collector" means any person who regularly collects, or
9 attempts to collect, consumer debts for another person or
10 institution or uses some name other than its own when collecting its
11 own consumer debts; and
12 6. "Oklahoma medical facility" includes, but is not limited to,
13 any hospital or related institution licensed pursuant to Section 1-
14 702 of Title 63 of the Oklahoma Statutes, nursing facilities
15 licensed pursuant to Section 1-1903 of Title 63 of the Oklahoma
16 Statutes, and medical offices operated by or employing physicians,
17 physical therapists, physician assistants, pharmacists, nurses, and
18 home health care providers within this state.
19 B. Creditors and debt collectors are prohibited from reporting
20 to any consumer reporting agency consumer debt obtained from
21 services rendered at an Oklahoma medical facility.
22 C. Consumer reporting agencies are prohibited from including
23 consumer debt obtained from services rendered at an Oklahoma medical
24 facility on a consumer report.
Req. No. 11188 Page 2
1 SECTION 2. This act shall become effective November 1, 2025.
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3 60-1-11188 AQH 12/18/24
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Req. No. 11188 Page 3Every fact on this page links to its source, starting with the official bill record.