{"code":"CIV","codeName":"Civil Code","section":"1785.20.6","citation":"Civ. Code, § 1785.20.6","status":"in-force","lawOn":"2026-09-28","headings":[{"name":"DIVISION 3. OBLIGATIONS [1427. - 3273.91.]","url":"https://blackletter.si/civil-code/division-3"},{"name":"PART 4. OBLIGATIONS ARISING FROM PARTICULAR TRANSACTIONS [1738. - 3273.91.]","url":"https://blackletter.si/civil-code/division-3/part-4"},{"name":"TITLE 1.6. CONSUMER CREDIT REPORTING AGENCIES ACT [1785.1. - 1785.36.]","url":"https://blackletter.si/civil-code/division-3/part-4/title-1.6"},{"name":"CHAPTER 3. Requirements on Users of Consumer Credit Reports [1785.20. - 1785.22.]","url":"https://blackletter.si/civil-code/division-3/part-4/title-1.6/chapter-3"}],"history":"Added by Stats. 2024, Ch. 520, Sec. 3.   (SB 1061)   Effective January 1, 2025.","effective":"2025-01-01","html":"<p>A person who uses a consumer credit report in connection with a credit transaction shall not use a medical debt listed on the report as a negative factor when making a credit decision.</p>","text":"A person who uses a consumer credit report in connection with a credit transaction shall not use a medical debt listed on the report as a negative factor when making a credit decision.","otherVersions":[],"url":"https://blackletter.si/civil-code/requirements-on-users-of-consumer-credit-reports-1785-20-6","source":"California Legislative Information bulk export (pubinfo)"}