{"code":"CIV","codeName":"Civil Code","section":"1785.27","citation":"Civ. Code, § 1785.27","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 3.5. Obligations of Furnishers of Credit Information [1785.25. - 1785.27.]","url":"https://blackletter.si/civil-code/division-3/part-4/title-1.6/chapter-3.5"}],"history":"Amended by Stats. 2025, Ch. 200, Sec. 2.   (AB 1521)   Effective January 1, 2026.","effective":"2026-01-01","html":"<p>(a) A person shall not furnish information regarding a medical debt to a consumer credit reporting agency.</p><p>(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.</p><p>(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:</p><p>“A holder of this medical debt contract is prohibited by Section <a href=\"/civ/1785.27\">1785.27</a> 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.”</p><p>(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.</p><p>(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.</p>","text":"(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.","otherVersions":[],"url":"https://blackletter.si/civil-code/obligations-of-furnishers-of-credit-information-1785-27","source":"California Legislative Information bulk export (pubinfo)"}