The Consumer Data Industry Association (“CDIA”), the trade association representing major credit reporting agencies, and the Cornerstone League, a trade association for credit unions, achieved a total victory in their lawsuit challenging the CFPB’s Medical Debt Rule.  The court vacated the CFPB’s Medical Debt Rule, which, if allowed to take effect, would have prohibited credit reporting agencies from including medical debt in consumer credit reports and creditors from using this information in credit decisions.  W&C had filed a lawsuit on behalf of CDIA and the Cornerstone League in January 2025 contending that the CFPB’s Medical Debt Rule upended an established congressional framework that allowed credit reporting agencies to report, and creditors to consider, medical debt that has been coded to protect patient privacy and not disclose the substance or nature of the medical treatment.  This ruling came after a contested hearing where intervenors took up the defense of the Medical Debt Rule after the CFPB acknowledged its illegality. 

The Williams & Connolly team representing CDIA and the Cornerstone League includes Ryan Scarborough, Jesse Smallwood, Bill Murray, and Chris Baldacci.