Unpaid medical bills will no longer appear on credit reports, where they can block people from mortgages, car loans or small business loans, according to a final rule announced Tuesday by the Biden administration.
The Consumer Financial Protection Bureau rule will remove $49 billion in medical debt from the credit reports of more than 15 million Americans, according to the bureau, which means lenders will no longer be able to take that into consideration when deciding to issue a loan.
The change is estimated to raise the credit scores by an average of 20 points and could lead to 22,000 additional mortgages being approved every year, according to the bureau. Vice President Kamala Harris said in a statement announcing the rule that it would be “lifechanging” for millions of families.
“No one should be denied economic opportunity because they got sick or experienced a medical emergency,” she said.
Harris also announced that states and local governments have used a sweeping 2021 pandemic-era aid package to eliminate more than $1 billion in medical debt for more than 700,000 Americans.
The administration announced plans for the rule in fall 2023.
The CFPB said that medical debt is a poor predictor of an individual's ability to repay a loan. Experian, Equifax and TransUnion, the three national credit reporting agencies, said last year that they were removing medical collections debt under $500 from U.S. consumer credit reports.
The new rule from the Biden administration is set to take on the outstanding bills appearing on credit reports.
Vice President Kamala Harris addresses the media after overseeing the counting of the electoral ballots to certifying the 2024 presidential election in the House Chamber at the U.S. Capitol on Monday, Jan. 6, 2025, in Washington. (AP Photo/John McDonnell)
Vice President Kamala Harris talks to reporters after presiding over a joint session of Congress to confirm the Electoral College votes at the Capitol, Monday, Jan. 6, 2025, in Washington. (AP Photo/Jose Luis Magana)
BEVERLY HILLS, Calif. (AP) — The stars are out for the 83rd annual Golden Globe Awards, which honor movies, television and podcasts.
The first major ceremony of awards season has a reputation for its partylike atmosphere and for drawing a mashup of television and film stars. It also is known as a major fashion showcase.
This is a photo gallery curated by AP photo editors.
For more coverage of the 2026 Golden Globes, visit: https://apnews.com/hub/golden-globe-awards
Miley Cyrus arrives at the 83rd Golden Globes on Sunday, Jan. 11, 2026, at the Beverly Hilton in Beverly Hills, Calif. (Photo by Jordan Strauss/Invision/AP)
Amanda Anka, left, and Jason Bateman arrive at the 83rd Golden Globes on Sunday, Jan. 11, 2026, at the Beverly Hilton in Beverly Hills, Calif. (Photo by Jordan Strauss/Invision/AP)
Paul Mescal arrives at the 83rd Golden Globes on Sunday, Jan. 11, 2026, at the Beverly Hilton in Beverly Hills, Calif. (Photo by Richard Shotwell/Invision/AP)
Kathy Bates arrives at the 83rd Golden Globes on Sunday, Jan. 11, 2026, at the Beverly Hilton in Beverly Hills, Calif. (Photo by Jordan Strauss/Invision/AP)
Joe Keery arrives at the 83rd Golden Globes on Sunday, Jan. 11, 2026, at the Beverly Hilton in Beverly Hills, Calif. (Photo by Richard Shotwell/Invision/AP)
Jacob Elordi arrives at the 83rd Golden Globes on Sunday, Jan. 11, 2026, at the Beverly Hilton in Beverly Hills, Calif. (Photo by Jordan Strauss/Invision/AP)
Nikki Glaser arrives at the 83rd Golden Globes on Sunday, Jan. 11, 2026, at the Beverly Hilton in Beverly Hills, Calif. (Photo by Jordan Strauss/Invision/AP)
Kristen Bell arrives at the 83rd Golden Globes on Sunday, Jan. 11, 2026, at the Beverly Hilton in Beverly Hills, Calif. (Photo by Jordan Strauss/Invision/AP)
Ariana Grande arrives at the 83rd Golden Globes on Sunday, Jan. 11, 2026, at the Beverly Hilton in Beverly Hills, Calif. (Photo by Jordan Strauss/Invision/AP)
Robin Wright arrives at the 83rd Golden Globes on Sunday, Jan. 11, 2026, at the Beverly Hilton in Beverly Hills, Calif. (Photo by Jordan Strauss/Invision/AP)
Audrey Nuna arrives at the 83rd Golden Globes on Sunday, Jan. 11, 2026, at the Beverly Hilton in Beverly Hills, Calif. (Photo by Jordan Strauss/Invision/AP)
Jake Lacy arrives at the 83rd Golden Globes on Sunday, Jan. 11, 2026, at the Beverly Hilton in Beverly Hills, Calif. (Photo by Jordan Strauss/Invision/AP)
Kevin O'Leary arrives at the 83rd Golden Globes on Sunday, Jan. 11, 2026, at the Beverly Hilton in Beverly Hills, Calif. (Photo by Jordan Strauss/Invision/AP)
Jennifer Garner arrives at the 83rd Golden Globes on Sunday, Jan. 11, 2026, at the Beverly Hilton in Beverly Hills, Calif. (Photo by Jordan Strauss/Invision/AP)
Miles Caton arrives at the 83rd Golden Globes on Sunday, Jan. 11, 2026, at the Beverly Hilton in Beverly Hills, Calif. (Photo by Jordan Strauss/Invision/AP)
Jackie Tohn arrives at the 83rd Golden Globes on Sunday, Jan. 11, 2026, at the Beverly Hilton in Beverly Hills, Calif. (Photo by Jordan Strauss/Invision/AP)
Priyanka Chopra Jonas arrives at the 83rd Golden Globes on Sunday, Jan. 11, 2026, at the Beverly Hilton in Beverly Hills, Calif. (Photo by Jordan Strauss/Invision/AP)
Jacobi Jupe arrives at the 83rd Golden Globes on Sunday, Jan. 11, 2026, at the Beverly Hilton in Beverly Hills, Calif. (Photo by Jordan Strauss/Invision/AP)
Maura Higgins arrives at the 83rd Golden Globes on Sunday, Jan. 11, 2026, at the Beverly Hilton in Beverly Hills, Calif. (Photo by Jordan Strauss/Invision/AP)
Audrey Nuna arrives at the 83rd Golden Globes on Sunday, Jan. 11, 2026, at the Beverly Hilton in Beverly Hills, Calif. (Photo by Jordan Strauss/Invision/AP)
Li Jun Li arrives at the 83rd Golden Globes on Sunday, Jan. 11, 2026, at the Beverly Hilton in Beverly Hills, Calif. (Photo by Jordan Strauss/Invision/AP)
Natasha Rothwell arrives at the 83rd Golden Globes on Sunday, Jan. 11, 2026, at the Beverly Hilton in Beverly Hills, Calif. (Photo by Jordan Strauss/Invision/AP)
Lisa arrives at the 83rd Golden Globes on Sunday, Jan. 11, 2026, at the Beverly Hilton in Beverly Hills, Calif. (Photo by Jordan Strauss/Invision/AP)
Luke Grimes arrives at the 83rd Golden Globes on Sunday, Jan. 11, 2026, at the Beverly Hilton in Beverly Hills, Calif. (Photo by Jordan Strauss/Invision/AP)
Snoop Dogg arrives at the 83rd Golden Globes on Sunday, Jan. 11, 2026, at the Beverly Hilton in Beverly Hills, Calif. (Photo by Jordan Strauss/Invision/AP)
Haley Kalil arrives at the 83rd Golden Globes on Sunday, Jan. 11, 2026, at the Beverly Hilton in Beverly Hills, Calif. (Photo by Jordan Strauss/Invision/AP)
Derek Hough arrives at the 83rd Golden Globes on Sunday, Jan. 11, 2026, at the Beverly Hilton in Beverly Hills, Calif. (Photo by Jordan Strauss/Invision/AP)
Justine Lupe arrives at the 83rd Golden Globes on Sunday, Jan. 11, 2026, at the Beverly Hilton in Beverly Hills, Calif. (Photo by Richard Shotwell/Invision/AP)
Gayle King arrives at the 83rd Golden Globes on Sunday, Jan. 11, 2026, at the Beverly Hilton in Beverly Hills, Calif. (Photo by Jordan Strauss/Invision/AP)
Laufey arrives at the 83rd Golden Globes on Sunday, Jan. 11, 2026, at the Beverly Hilton in Beverly Hills, Calif. (Photo by Jordan Strauss/Invision/AP)
Cole Walliser arrives at the 83rd Golden Globes on Sunday, Jan. 11, 2026, at the Beverly Hilton in Beverly Hills, Calif. (Photo by Jordan Strauss/Invision/AP)
Lisa arrives at the 83rd Golden Globes on Sunday, Jan. 11, 2026, at the Beverly Hilton in Beverly Hills, Calif. (Photo by Jordan Strauss/Invision/AP)
Sheryl Lee Ralph arrives at the 83rd Golden Globes on Sunday, Jan. 11, 2026, at the Beverly Hilton in Beverly Hills, Calif. (Photo by Jordan Strauss/Invision/AP)
Maura Higgins arrives at the 83rd Golden Globes on Sunday, Jan. 11, 2026, at the Beverly Hilton in Beverly Hills, Calif. (Photo by Jordan Strauss/Invision/AP)
