Civil Code section 1785.27

(a)

A person shall not furnish information regarding a medical debt to a consumer credit reporting agency.

(b)

A medical debt is void and unenforceable if a person knowingly violates this section by furnishing information regarding the medical debt to a consumer credit reporting agency.

(c)

(1)On or after July 1, 2025, it is unlawful to enter into a written contract creating a medical debt that does not include the following term:
“A holder of this medical debt contract is prohibited by Section 1785.27 of the Civil Code from furnishing any information related to this debt to a consumer credit reporting agency. In addition to any other penalties allowed by law, if a person knowingly violates that section by furnishing information regarding this debt to a consumer credit reporting agency, the debt shall be void and unenforceable.”

(2)

A written contract entered into on or after July 1, 2025, that does not include the term described in paragraph (1) is void and unenforceable.

(d)

A violation of this section by a person holding a license or permit issued by the state shall be deemed to be a violation of the law governing that license or permit.

Source: Section 1785.27, https://leginfo.­legislature.­ca.­gov/faces/codes_displaySection.­xhtml?lawCode=CIV§ionNum=1785.­27.­ (updated Jan. 1, 2026; accessed Aug. 10, 2026).

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Verified:
Aug. 17, 2026

§ 1785.27's source at ca​.gov