this post was submitted on 15 Jul 2025
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310
Federal judge reverses rule that removed medical debt from credit reports (www.scrippsnews.com)
submitted 1 day ago by babysandpiper@sopuli.xyz to c/news@lemmy.world
33 comments fedilink hide all child comments
 

A federal judge in Texas has reversed a Biden administration rule that wiped medical debt from credit reports, affecting nearly 15 million Americans.

The rule, which did not discharge debt but changed how credit scores could be calculated, would have removed $50 million of medical debt from credit reports.

U.S. District Judge Sean Jordan, who was appointed by Donald Trump during his first term, claimed in his decision that the Fair Credit Reporting Act does not allow the Consumer Financial Protection Bureau (CFPB) to remove medical debt from reports.

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[–] ameancow@lemmy.world 22 points 15 hours ago* (last edited 15 hours ago)

Fuck this judge and this president in every possible way with a dog-piss-rusted fire hydrant.

I've already been ruined by medical debt, I've started over twice in life, I am now well past middle age and BARELY getting back on my feet and getting my credit repaired. I have family members looking over their shoulders for ICE agents and I may lose what shitty medical coverage we already have because dumbfucks who get their news from AM radio and Facebook don't get that Medicare and Medicaid have different names in different states and that they're going to lose coverage just because they're scared someone with brown skin might get benefits.

I kind of want to see the country burn, ngl.

What happens when a whole population realizes they are rapidly losing anything they might have had to lose?

[–] Psythik@lemmy.world 7 points 13 hours ago

Well I'm glad all of my medical debt was wiped before this asshole judge got involved. My credit score went from 550 to no credit overnight. I've got a clean slate.

But seriously, fuck this judge.

[–] Steve@startrek.website 9 points 13 hours ago

50 million sounds too low

[–] sparky@lemmy.federate.cc 11 points 15 hours ago* (last edited 15 hours ago)

Without even reading the article, it’s a Trump appointed judge in some backwater Texas town isn’t it?

Edit: yup

[–] W3dd1e@lemmy.zip 25 points 20 hours ago (1 children)

5th Circuit Eastern TX again. It’s literally the same judge everytime. Sean Jordan. This guy sucks so hard.

[–] KMAMURI@lemmy.world 7 points 12 hours ago (1 children)

Should be an easy fix then.

[–] Witchfire@lemmy.world 4 points 12 hours ago

Are we still doing Luigi or is it Benjamin now? Asking for a friend

[–] Fedizen@lemmy.world 27 points 20 hours ago (2 children)

Hot take: we should ban credit agencies.

[–] ameancow@lemmy.world 8 points 15 hours ago (1 children)

I would probably get banned from this site and get my own FBI file if I suggested what we should do to credit agencies.

[–] Ironfist79@lemmy.world 4 points 2 hours ago

We've all seen Fight Club.

[–] imsufferableninja@sh.itjust.works 3 points 13 hours ago

What we had before credit agencies was worse for minorities

[–] ChonkyOwlbear@lemmy.world 91 points 1 day ago

He's another Federalist Society judge picked by Trump. He also blocked a rule that would have extended overtime protections for 4 million government workers in 2024.

[–] DudeImMacGyver@sh.itjust.works 59 points 1 day ago

What an asshole

[–] FartsWithAnAccent@fedia.io 54 points 1 day ago (3 children)

Aren't individual court rulings no longer supposed to affect anything but the specific case now though?

[–] Awkwardly_Frank@lemmy.world 29 points 1 day ago (1 children)

Trump v CASA ruled universal injunctions beyond the power of the courts. That means that the ruling can only offer relief to the parties in the individual case. As credit reporting agencies are nationwide entities this case would, by nature, apply to those agencies across the whole nation. I will imagine that this ruling applies only to those agencies party to this lawsuit. Even if that's not all of the big three, this suit will still signal to the executive that action against other agencies won't hold up in court and the CFPB will likely just give up on the rule.

This is my understanding. I'm not a lawyer. This is not legal advice (tm).

[–] grue@lemmy.world 20 points 1 day ago (2 children)

How convenient: in typical 'David vs. Goliath'-type cases of individuals being abused by huge corporations, good rulings in favor of the little guy apply extremely narrowly, while bad rulings have vast reach.

[–] Awkwardly_Frank@lemmy.world 10 points 23 hours ago

That's exactly the problem with the CASA ruling. It's not localized by state,or even locality. If it were the battles could be fought state by state. Instead every individual person must fight their battle alone unless they can convince a court to certify their class for a class action. Even then the conservative justices affirmed in concurrences that they foresaw that work around and signaled that they were willing to scrutinize class certifications.

[–] PriorityMotif@lemmy.world 4 points 19 hours ago

Just one person could take down flock license plate readers because it violates their 4th amendment right. It's already been ruled in several criminal cases and a lawsuit has moved forward. They can't reasonably avoid tracking one person because taking the photo is the issue in the first place.

[–] gravitas_deficiency@sh.itjust.works 14 points 1 day ago

If you’re under the impression that that precedent is going to be used and enforced by the Tribunal of Six in anything resembling an even-handed manner, I’ve got a bridge in Brooklyn to sell you.

[–] FlexibleToast@lemmy.world 5 points 1 day ago (1 children)

No, a single state isn't supposed to be able to block a nationwide thing. So, this could be limited to just Texas. But, it's likely I also don't know the correct answer to this with my limited understanding.

[–] FartsWithAnAccent@fedia.io 8 points 1 day ago (1 children)

The case ruling not affecting things outside of the case was a very recent chance but I would not be at all surprised to learn it was only being enforced when the government feels like it.

[–] CharlesDarwin@lemmy.world 8 points 20 hours ago (1 children)

Let me guess, though - it's not an activist judge?

[–] muusemuuse@sh.itjust.works 3 points 16 hours ago

Surely not!

[–] kadaverin0@lemmy.dbzer0.com 11 points 22 hours ago (1 children)

Somebody needs to do it.

[–] ameancow@lemmy.world 6 points 15 hours ago

If enough of us do it, it will be harder for them to scapegoat one person.

[–] octopus_ink@slrpnk.net 19 points 1 day ago

  • Make it harder to get assistance for paying medical bills

  • Make it easier to be denied credit and services for not paying medical bills

  • ??? (and really those are bigger ? than in the history of this meme)

  • Profit!!!

[–] thedruid@lemmy.world 13 points 1 day ago (1 children)

Add another name to the current administration and officials who will be jailed when this is over

[–] the_crotch@sh.itjust.works 2 points 17 hours ago (1 children)

It's a nice thought, but 'lol' is my answer to this.

[–] thedruid@lemmy.world 4 points 14 hours ago (1 children)

Thanks for your witty and deep reply.

[–] the_crotch@sh.itjust.works 0 points 14 hours ago

The glass isn't half empty. The glass is broken.

[–] peoplebeproblems@midwest.social 3 points 23 hours ago (1 children)

I haven't said it in a while I guess.

258,000,000.