Mississippi Today
New Biden administration rule would ban medical debt from credit reports

Originally published by The 19th
Vice President Kamala Harris on Tuesday announced a new effort to ban medical debt from credit reports, something that would ease a burden that falls most heavily on women and Black people.
“Medical debt makes it more difficult for millions of Americans to be approved for a car loan, a home loan or a small business loan, all of which in turn makes it more difficult to just get by, much less get ahead, and that is simply not fair. Especially when we know that people with medical debt are no less likely to repay a loan than those without medical debt,” Harris said. “No one should be denied access to economic opportunity simply because they experienced a medical emergency.”
Federal efforts to remove medical debt from credit reports began last fall after Harris announced that the Consumer Financial Protection Bureau (CFPB) would take the first steps to create rules that would take medical bills off credit reports, prohibit creditors from using medical bills to make underwriting decisions and ban collectors from using medical debt to pressure consumers to make payments. These proposals would narrow the 2005 exemption in the Fair Credit Reporting Act, which allowed creditors to use medical debts in underwriting credit decisions. Creditors would still have the ability to access medical debts and bill information in certain instances, such as to evaluate loan applications for medical services.
Other federal efforts to curb medical debt include the No Surprises Act, which took effect in July 2022 and requires private health insurers to cover most emergency services, emergency care and non-emergency in-network services and prohibits medical providers from billing patients more than in-network cost sharing.
The rule change could lead to more people being able to borrow money, as CFPB Director Rohit Chopra said it would give lenders more accurate and predictive information about borrowers.
“The 15 million Americans who would benefit from this credit reporting change would see their scores rise by an average of 20 points. … For mortgages alone, we estimate that this could lead to approximately 22,000 additional home loans each year,” he said. “Our action today is an important step toward reducing some of the unnecessary costs of getting sick in America.”
According to a senior administration official, this rule would include historical medical bill information and dental debt.
Other federal efforts to curb medical debt include the No Surprises Act, which took effect in July 2022 and prohibits surprise billing for most emergency services and non-emergency services done out-of-network.
The nationwide credit reporting agencies, which are Equifax, Experian and TransUnion, removed medical debt under $500 from consumer credit reports as of April 2023. However, this April, the CFPB released research that found 15 million Americans still have medical debt on their credit reports — particularly those in the American South and low-income communities. A March 2022 report from the CFPB found that Americans were harboring $88 billion in medical debt.
A KFF Health Policy Research analysis published this year based on the 2021 national Survey of Income and Program Participation found that 20 million people owed a collective $220 billion in medical debt. The analysis found that 13 percent of people with disabilities reported having medical debt, compared with 6 percent of those without a disability. It also found that non-Hispanic Black people carry more medical debt than other racial and ethnic groups, and women carry more than men. A separate analysis found that 14 percent of people who gave birth within the last year and a half reported having medical debt, compared with 7 percent of those who did not.
“Since we know that Black adults and women are more at risk of having medical debt, then I would expect this policy would benefit those groups,” said Cynthia Cox, KFF vice president and director of the foundation’s Program on the Affordable Care Act, which examines health care coverage costs, affordability and accessibility.
Undue Medical Debt, the nonprofit formerly known as RIP Medical Debt that contacts hospitals and health care systems requesting that they sell or donate portions of patients’ debt, and Perry Undem, a nonpartisan public opinion research firm, surveyed over 2,600 adults in August 2023, 229 of whom were Black women. Among Black women, 27 percent said they have delayed or said no to health services out of concerns over acquiring medical debt. A study from the American Cancer Society published in March suggested that “medical debt is associated with worse health status, more premature deaths, and higher mortality rates at the county level in the US.”
In 2022, YouGov, a research data and analytics technology group, reported that 66 percent of Americans supported government relief for medical debt. Eva Stahl, the vice president of public policy and program management at Undue Medical Debt, attributes this support to the fact that it can impact anyone.
“It’s not a debt of choice, it’s a debt of necessity. Because there’s a general consensus about that, it’s not really a partisan issue,” she said.
Stahl said they have gotten interest from legislators across the nation, even in the South, with some jurisdictions in Texas and Kentucky showing interest in erasing residents’ medical debt. Some state-level efforts to erase medical debt for state residents have either passed or been proposed — some in partnership with Undue Medical Burden.
In June 2023, Colorado became the first state to prohibit medical debt from being included on residents’ credit reports. Similar legislation was passed this year in Connecticut and proposed in New Jersey.
Last year, Connecticut’s state legislature approved a budget that would allocate $6.5 million in American Rescue Plan (ARP) funding toward erasing medical debt for residents whose medical debt is 5 percent of their income or whose household income is up to 400 percent of the federal poverty line. Earlier this year, Arizona Gov. Katie Hobbs, a Democrat, announced efforts to use $30 million of ARP funding to cancel medical debt for up to 1 million Arizonans, using similar criteria as Connecticut. Both states partnered with Undue Medical Debt
To Stahl, removing medical debt from credit reports has limitations.
“It’s an action that is helpful, but it’s not getting it’s not at the it’s not at the root,” which is “that people don’t have access to affordable high quality health care,” Stahl said. “Even if you banned medical debt from credit reports, which is an important and worthy exercise, people still have unpaid medical bills. … Patients will still feel the stress of having debt collectors call them several times a day, asking them when they’re going to pay their medical bills, or they may get into payment plans that they can’t really afford.”
A senior administration official said public comments are being accepted through August 12. They expect the rule to be finalized early next year.
This article first appeared on Mississippi Today and is republished here under a Creative Commons license.
Mississippi Today
Meet Willye B. White: A Mississippian we should all celebrate
In an interview years and years ago, the late Willye B. White told me in her warm, soothing Delta voice, “A dream without a plan is just a wish. As a young girl, I had a plan.”
She most definitely did have a plan. And she executed said plan, as we shall see.
And I know what many readers are thinking: “Who the heck was Willye B. White?” That, or: “Willye B. White, where have I heard that name before?”
Well, you might have driven an eight-mile, flat-as-a-pancake stretch of U.S. 49E, between Sidon and Greenwood, and seen the marker that says: “Willye B. White Memorial Highway.” Or you might have visited the Olympic Room at the Mississippi Sports Hall of Fame and seen where White was a five-time participant and two-time medalist in the Summer Olympics as a jumper and a sprinter.
If you don’t know who Willye B. White was, you should. Every Mississippian should. So pour yourself a cup of coffee or a glass of iced tea, follow along and prepare to be inspired.
Willye B. White was born on the last day of 1939 in Money, near Greenwood, and was raised by grandparents. As a child, she picked cotton to help feed her family. When she wasn’t picking cotton, she was running, really fast, and jumping, really high and really long distances.
She began competing in high school track and field meets at the age of 10. At age 11, she scored enough points in a high school meet to win the competition all by herself. At age 16, in 1956, she competed in the Summer Olympics at Melbourne, Australia.
Her plan then was simple. The Olympics, on the other side of the world, would take place in November. “I didn’t know much about the Olympics, but I knew that if I made the team and I went to the Olympics, I wouldn’t have to pick cotton that year. I was all for that.”
Just imagine. You are 16 years old, a high school sophomore, a poor Black girl. You are from Money, Mississippi, and you walk into the stadium at the Melbourne Cricket Grounds to compete before a crowd of more than 100,000 strangers nearly 10,000 miles from your home.
She competed in the long jump. She won the silver medal to become the first-ever American to win a medal in that event. And then she came home to segregated Mississippi, to little or no fanfare. This was the year after Emmett Till, a year younger than White, was brutally murdered just a short distance from where she lived.
“I used to sit in those cotton fields and watch the trains go by,” she once told an interviewer. “I knew they were going to some place different, some place into the hills and out of those cotton fields.”
Her grandfather had fought in France in World War I. “He told me about all the places he saw,” White said. “I always wanted to travel and see the places he talked about.”
Travel, she did. In the late 1950s there were two colleges that offered scholarships to young, Black female track and field athletes. One was Tuskegee in Alabama, the other was Tennessee State in Nashville. White chose Tennessee State, she said, “because it was the farthest away from those cotton fields.”
She was getting started on a track and field career that would take her, by her own count, to 150 different countries across the globe. She was the best female long jumper in the U.S. for two decades. She competed in Olympics in Melbourne, Rome, Tokyo, Mexico City and Munich. She would compete on more than 30 U.S. teams in international events. In 1999, Sports Illustrated named her one of the top 100 female athletes of the 20th century.
Chicago became White’s home for most of adulthood. This was long before Olympic athletes were rich, making millions in endorsements and appearance fees. She needed a job, so she became a nurse. Later on, she became an public health administrator as well as a coach. She created the Willye B. White Foundation to help needy children with health and after school care.
In 1982, at age 42, she returned to Mississippi to be inducted into the Mississippi Sports Hall of Fame and was welcomed back to a reception at the Governor’s Mansion by Gov. William Winter, who introduced her during induction ceremonies. Twenty-six years after she won the silver medal at Melbourne, she called being hosted and celebrated by the governor of her home state “the zenith of her career.”
Willye B. White died of pancreatic cancer in a Chicago hospital in 2007. While working on an obituary/column about her, I talked to the late, great Ralph Boston, the three-time Olympic long jump medalist from Laurel. They were Tennessee State and U.S. Olympic teammates. They shared a healthy respect from one another, and Boston clearly enjoyed talking about White.
At one point, Ralph asked me, “Did you know Willye B. had an even more famous high school classmate.”
No, I said, I did not.
“Ever heard of Morgan Freeman?” Ralph said, laughing.
Of course.
“I was with Morgan one time and I asked him if he ever ran track,” Ralph said, already chuckling about what would come next.
“Morgan said he did not run track in high school because he knew if he ran, he’d have to run against Willye B. White, and Morgan said he didn’t want to lose to a girl.”
This article first appeared on Mississippi Today and is republished here under a Creative Commons Attribution-NoDerivatives 4.0 International License.
Mississippi Today
Early voting proposal killed on last day of Mississippi legislative session
Mississippi will remain one of only three states without no-excuse early voting or no-excuse absentee voting.
Senate leaders, on the last day of their regular 2025 session, decided not to send a bill to Gov. Tate Reeves that would have expanded pre-Election Day voting options. The governor has been vocally opposed to early voting in Mississippi, and would likely have vetoed the measure.
The House and Senate this week overwhelmingly voted for legislation that established a watered-down version of early voting. The proposal would have required voters to go to a circuit clerk’s office and verify their identity with a photo ID.
The proposal also listed broad excuses that would have allowed many voters an opportunity to cast early ballots.
The measure passed the House unanimously and the Senate approved it 42-7. However, Sen. Jeff Tate, a Republican from Meridian who strongly opposes early voting, held the bill on a procedural motion.
Senate Elections Chairman Jeremy England chose not to dispose of Tate’s motion on Thursday morning, the last day the Senate was in session. This killed the bill and prevented it from going to the governor.
England, a Republican from Vancleave, told reporters he decided to kill the legislation because he believed some of its language needed tweaking.
The other reality is that Republican Gov. Tate Reeves strongly opposes early voting proposals and even attacked England on social media for advancing the proposal out of the Senate chamber.
England said he received word “through some sources” that Reeves would veto the measure.
“I’m not done working on it, though,” England said.
Although Mississippi does not have no-excuse early voting or no-excuse absentee voting, it does have absentee voting.
To vote by absentee, a voter must meet one of around a dozen legal excuses, such as temporarily living outside of their county or being over 65. Mississippi law doesn’t allow people to vote by absentee purely out of convenience or choice.
Several conservative states, such as Texas, Louisiana, Arkansas and Florida, have an in-person early voting system. The Republican National Committee in 2023 urged Republican voters to cast an early ballot in states that have early voting procedures.
Yet some Republican leaders in Mississippi have ardently opposed early voting legislation over concerns that it undermines election security.
This article first appeared on Mississippi Today and is republished here under a Creative Commons license.
.
Mississippi Today
Mississippi Legislature approves DEI ban after heated debate
Mississippi lawmakers have reached an agreement to ban diversity, equity and inclusion programs and a list of “divisive concepts” from public schools across the state education system, following the lead of numerous other Republican-controlled states and President Donald Trump’s administration.
House and Senate lawmakers approved a compromise bill in votes on Tuesday and Wednesday. It will likely head to Republican Gov. Tate Reeves for his signature after it clears a procedural motion.
The agreement between the Republican-dominated chambers followed hours of heated debate in which Democrats, almost all of whom are Black, excoriated the legislation as a setback in the long struggle to make Mississippi a fairer place for minorities. They also said the bill could bog universities down with costly legal fights and erode academic freedom.
Democratic Rep. Bryant Clark, who seldom addresses the entire House chamber from the podium during debates, rose to speak out against the bill on Tuesday. He is the son of the late Robert Clark, the first Black Mississippian elected to the state Legislature since the 1800s and the first Black Mississippian to serve as speaker pro tempore and preside over the House chamber since Reconstruction.
“We are better than this, and all of you know that we don’t need this with Mississippi history,” Clark said. “We should be the ones that say, ‘listen, we may be from Mississippi, we may have a dark past, but you know what, we’re going to be the first to stand up this time and say there is nothing wrong with DEI.'”
Legislative Republicans argued that the measure — which will apply to all public schools from the K-12 level through universities — will elevate merit in education and remove a list of so-called “divisive concepts” from academic settings. More broadly, conservative critics of DEI say the programs divide people into categories of victims and oppressors and infuse left-wing ideology into campus life.
“We are a diverse state. Nowhere in here are we trying to wipe that out,” said Republican Sen. Tyler McCaughn, one of the bill’s authors. “We’re just trying to change the focus back to that of excellence.”
The House and Senate initially passed proposals that differed in who they would impact, what activities they would regulate and how they aim to reshape the inner workings of the state’s education system. Some House leaders wanted the bill to be “semi-vague” in its language and wanted to create a process for withholding state funds based on complaints that almost anyone could lodge. The Senate wanted to pair a DEI ban with a task force to study inefficiencies in the higher education system, a provision the upper chamber later agreed to scrap.
The concepts that will be rooted out from curricula include the idea that gender identity can be a “subjective sense of self, disconnected from biological reality.” The move reflects another effort to align with the Trump administration, which has declared via executive order that there are only two sexes.
The House and Senate disagreed on how to enforce the measure but ultimately settled on an agreement that would empower students, parents of minor students, faculty members and contractors to sue schools for violating the law.
People could only sue after they go through an internal campus review process and a 25-day period when schools could fix the alleged violation. Republican Rep. Joey Hood, one of the House negotiators, said that was a compromise between the chambers. The House wanted to make it possible for almost anyone to file lawsuits over the DEI ban, while Senate negotiators initially bristled at the idea of fast-tracking internal campus disputes to the legal system.
The House ultimately held firm in its position to create a private cause of action, or the right to sue, but it agreed to give schools the ability to conduct an investigative process and potentially resolve the alleged violation before letting people sue in chancery courts.
“You have to go through the administrative process,” said Republican Sen. Nicole Boyd, one of the bill’s lead authors. “Because the whole idea is that, if there is a violation, the school needs to cure the violation. That’s what the purpose is. It’s not to create litigation, it’s to cure violations.”
If people disagree with the findings from that process, they could also ask the attorney general’s office to sue on their behalf.
Under the new law, Mississippi could withhold state funds from schools that don’t comply. Schools would be required to compile reports on all complaints filed in response to the new law.
Trump promised in his 2024 campaign to eliminate DEI in the federal government. One of the first executive orders he signed did that. Some Mississippi lawmakers introduced bills in the 2024 session to restrict DEI, but the proposals never made it out of committee. With the national headwinds at their backs and several other laws in Republican-led states to use as models, Mississippi lawmakers made plans to introduce anti-DEI legislation.
The policy debate also unfolded amid the early stages of a potential Republican primary matchup in the 2027 governor’s race between State Auditor Shad White and Lt. Gov. Delbert Hosemann. White, who has been one of the state’s loudest advocates for banning DEI, had branded Hosemann in the months before the 2025 session “DEI Delbert,” claiming the Senate leader has stood in the way of DEI restrictions passing the Legislature.
During the first Senate floor debate over the chamber’s DEI legislation during this year’s legislative session, Hosemann seemed to be conscious of these political attacks. He walked over to staff members and asked how many people were watching the debate live on YouTube.
As the DEI debate cleared one of its final hurdles Wednesday afternoon, the House and Senate remained at loggerheads over the state budget amid Republican infighting. It appeared likely the Legislature would end its session Wednesday or Thursday without passing a $7 billion budget to fund state agencies, potentially threatening a government shutdown.
“It is my understanding that we don’t have a budget and will likely leave here without a budget. But this piece of legislation …which I don’t think remedies any of Mississippi’s issues, this has become one of the top priorities that we had to get done,” said Democratic Sen. Rod Hickman. “I just want to say, if we put that much work into everything else we did, Mississippi might be a much better place.”
This article first appeared on Mississippi Today and is republished here under a Creative Commons license.
-
Mississippi Today4 days ago
Pharmacy benefit manager reform likely dead
-
News from the South - Oklahoma News Feed7 days ago
Tornado watch, severe thunderstorm warnings issued for Oklahoma
-
News from the South - Georgia News Feed7 days ago
Georgia road project forcing homeowners out | FOX 5 News
-
News from the South - Kentucky News Feed5 days ago
Tornado practically rips Bullitt County barn in half with man, several animals inside
-
News from the South - Florida News Feed7 days ago
Republicans look to maintain majority in Congress ahead of Florida special election
-
News from the South - Alabama News Feed4 days ago
'I think everybody's concerned': Mercedes-Benz plant eyeing impact of imported vehicle tariffs
-
News from the South - Oklahoma News Feed6 days ago
Life of David Boren memorialized in ceremony attended by hundreds
-
News from the South - Missouri News Feed6 days ago
Thunderstorms drench areas south of St. Louis