The Medical Debt Relief Act of 2025 aims to protect consumers from the negative impacts of medical debt on their credit reports. The main objective is to ensure that medical debt does not affect a person's credit score, making it easier for individuals to access credit without the burden of past medical expenses. Key provisions of the Act include a clear definition of medical debt, which encompasses any debt related to medical services, products, or devices. The Act prohibits the inclusion of any adverse information about medical debt on consumer credit reports.