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
UMMC hospital madison county
The University of Mississippi Medical Center has acquired Canton-based Merit Health Madison and is preparing to move a pediatric clinic to Madison, continuing a trend of moving services to Jackson’s suburbs.
The 67-bed hospital, now called UMMC Madison, will provide a wide range of community hospital services, including emergency services, medical-surgical care, intensive care, cardiology, neurology, general surgery and radiology services. It also will serve as a training site for medical students, and it plans to offer OB-GYN care in the future.
“As Mississippi’s only academic medical center, we must continue to be focused on our three-part mission to educate the next generation of health care providers, conduct impactful research and deliver accessible high-quality health care,” Dr. LouAnn Woodward, UMMC’s vice chancellor of health affairs, said in a statement. “Every decision we make is rooted in our mission.”
The new facility will help address space constraints at the medical center’s main campus in Jackson by freeing up hospital beds, imaging services and operating areas, said Dr. Alan Jones, associate vice chancellor for health affairs.
UMMC physicians have performed surgeries and other procedures at the hospital in Madison since 2019. UMMC became the full owner of the hospital May 1 after purchasing it from Franklin, Tennessee-based Community Health Systems.
The Batson Kids Clinic, which offers pediatric primary care, will move to the former Mississippi Center for Advanced Medicine location in Madison. This space will allow the medical center to offer pediatric primary care and specialty services and resolve space issues that prevent the clinic from adding new providers, according to Institutions of Higher Learning board minutes.
A UMMC spokesperson did not respond to questions about the services that will be offered at the clinic or when it will begin accepting patients.
The Mississippi Center for Advanced Medicine, a pediatric subspecialty clinic, closed last year as a result of a settlement in a seven-year legal battle between the clinic and UMMC in a federal trade secrets lawsuit.
The changes come after the opening of UMMC’s Colony Park South clinic in Ridgeland in February. The clinic offers a range of specialty outpatient services, including surgical services. Another Ridgeland UMMC clinic, Colony Park North, will open in 2026.
The expansion of UMMC clinical services to Madison County has been criticized by state lawmakers and Jackson city leaders. The medical center does not need state approval to open new educational facilities. Critics say UMMC has used this exemption to locate facilities in wealthier, whiter neighborhoods outside Jackson while reducing services in the city.
UMMC did not respond to a request for comment about its movement of services to Madison County.
UMMC began removing clinical services this year from Jackson Medical Mall, which is in a majority-Black neighborhood with a high poverty rate. The medical center plans to reduce its square footage at the mall by about 75% in the next year.
The movement of health care services from Jackson to the suburbs is a “very troubling trend” that will make it more difficult for Jackson residents to access care, Democratic state Sen. John Horhn, who will become Jackson’s mayor July 1, previously told Mississippi Today.
Lawmakers sought to rein in UMMC’s expansion outside Jackson this year by passing a bill that would require the medical center to receive state approval before opening new educational medical facilities in areas other than the vicinity of its main campus and Jackson Medical Mall. Republican Gov. Tate Reeves vetoed the legislation, saying he opposed an unrelated provision in the bill.
This article first appeared on Mississippi Today and is republished here under a Creative Commons Attribution-NoDerivatives 4.0 International License.
The post UMMC hospital madison county appeared first on mississippitoday.org
Note: The following A.I. based commentary is not part of the original article, reproduced above, but is offered in the hopes that it will promote greater media literacy and critical thinking, by making any potential bias more visible to the reader –Staff Editor.
Political Bias Rating: Center-Left
The article presents a primarily factual report on UMMC’s expansion into Madison County, outlining the medical center’s services and strategic decisions while including critiques from Democratic leaders and local officials about the suburban shift. The inclusion of concerns over equity and access—highlighting that the expansion is occurring in wealthier, whiter suburbs at the expense of services in majority-Black, poorer neighborhoods—leans the piece toward a center-left perspective, emphasizing social justice and community impact. However, the article maintains a measured tone by presenting statements from UMMC representatives and government officials without overt editorializing, thus keeping the overall coverage grounded in balanced reporting with a slight progressive framing.
Mississippi Today
Rita Brent, Q Parker headline ‘Medgar at 100’ Concert
Nationally known comedian Rita Brent will host the Medgar & Myrlie Evers Institute’s “Medgar at 100” Concert on June 28.
Tickets go on sale Saturday, June 14, and can be ordered on the institute’s website.
The concert will take place at the Jackson Convention Complex and is the capstone event of the “Medgar at 100” Celebration. Organizers are calling the event “a cultural tribute and concert honoring the enduring legacy of Medgar Wiley Evers.”
“My father believed in the power of people coming together — not just in protest, but in joy and purpose, and my mother and father loved music,” said Reena Evers-Everette, executive director of the institute. “This evening is about honoring his legacy with soul, celebration, and a shared commitment to carry his work forward. Through music and unity, we are creating space for remembrance, resilience, and the rising voices of a new generation.”
In addition to Brent, other featured performers include: actress, comedian and singer Tisha Campbell; soul R&B powerhouse Leela James; and Grammy award-winning artist, actor, entrepreneur and philanthropist Q Parker and Friends.
Organizers said the concert is also “a call to action — a gathering rooted in remembrance, resistance, and renewal.”
Proceeds from the event will go to support the Medgar & Myrlie Evers Institute’s mission to “advance civic engagement, develop youth leadership, and continue the fight for justice in Mississippi and beyond.”
This article first appeared on Mississippi Today and is republished here under a Creative Commons Attribution-NoDerivatives 4.0 International License.
The post Rita Brent, Q Parker headline 'Medgar at 100' Concert appeared first on mississippitoday.org
Note: The following A.I. based commentary is not part of the original article, reproduced above, but is offered in the hopes that it will promote greater media literacy and critical thinking, by making any potential bias more visible to the reader –Staff Editor.
Political Bias Rating: Centrist
This article presents a straightforward, factual report on the upcoming “Medgar at 100” concert honoring civil rights leader Medgar Wiley Evers. The tone is respectful and celebratory, focusing on the event’s cultural and community significance without expressing a political stance or ideological bias. It quotes organizers and highlights performers while emphasizing themes of remembrance, unity, and justice. The coverage remains neutral by reporting the event details and mission of the Medgar & Myrlie Evers Institute without editorializing or promoting a specific political viewpoint. Overall, it maintains balanced and informative reporting.
Mississippi Today
Future uncertain for residents of abandoned south Jackson apartment complex
Residents at Chapel Ridge Apartments in Jackson are left wondering what to do next after months dealing with trash pileups, property theft and the possibility of water shutoffs due to the property owner skipping out on the bill.
On Sunday, Ward 5 Councilman Vernon Hartley, city attorney Drew Martin and code enforcement officers discussed next steps for the complex, which, since April 30, has been without a property manager.
“How are you all cracking down on other possible fraudulent property managers around Jackson?” one woman asked Martin.
“ We don’t know they’re there until we know they’re there, and I know that’s a terrible answer, but I don’t personally have another one I’m aware of right now,” Martin said. “These individuals don’t seem to have owned another apartment complex in the Metro Jackson area, despite owning a whole bunch nationwide.”
Back in April, a letter was left on the door of the leasing office advising residents to not make rental payments until a new property manager arrives. The previous property managers are Lynd Management Group, a company based in San Antonio, Texas.
The complex has been under increased scrutiny after Chapel Ridge Apartments lost its solid waste contract mid-March due to months of nonpayment. The removal of dumpsters led to a portion of the parking lot turning into a dumping site, an influx of rodents and gnats, and an investigation by the Mississippi Department of Environmental Quality. Local leaders pitched in to help remedy the situation, and in May, Waste Management provided two dumpsters for the complex.
However, the problems persisted. In May, JXN Water released the names of 15 apartment complexes that owe more than $100,000 in unpaid water fees. Chapel Ridge was on the list. JXN Water spokesperson Aisha Carson said via email that they are “pursuing legal options to address these large-scale delinquencies across several properties.”
“While no shutoffs are imminent at this time, we are evaluating each case based on legal feasibility and the need to balance enforcement with tenant protections. Our focus is on transparency and accountability, not disruption—but we will act when needed to ensure the integrity of the system,” Carson said.
And earlier this week, Chapel Ridge Apartments was declared a public nuisance. Martin said this gives the city of Jackson “the authority to come in, mow the grass and board up any of the units where people aren’t living.”
Martin said the situation is complicated, because the complex is owned by Chapel Ridge Apartments LLC. The limited liability corporation is owned by CRBM Realty Inc. and Crown Capital Holdings LLC, which are ultimately owned by Moshe “Mark” Silber. In April, Silber was sentenced to 30 months in prison for conspiracy to commit wire fraud affecting a financial institution. Earlier this month, both companies filed for bankruptcy in New Jersey.
Now, Martin said the main goal is to find someone who can manage the property.
“Somebody’s got to be able to collect rent from you,” Martin said. “They got to be able to pay the water. They got to be able to pay the garbage. They got to be able to pay for the lights to be on. They got to maintain the property, so that’s our goal is to put that in place.”
Chapel Ridge offers a rent scale based on household income. Those earning under 50% of the area median income — between $21,800 and $36,150 depending on household size — for example, pay $480 for a two-bedroom and $539 for a three-bedroom unit. Rent increases between $20 and $40 for those earning under 60% of the area median income.
Valarie Banks said that when she moved into Chapel Ridge nearly 13 years ago, it was a great community. The disabled mother and grandmother moved from West Jackson to the complex because it was neatly kept and quiet.
“It was beautiful. I saw a lot of kids out playing. There were people that were engaging you when you came out. They were eager to help,” Banks said. “ I hope that they could bring this place back to the way it once was.”
But after months of uncertainty, Banks is preparing to move. She said she’s not the only one.
“I have somewhere to go, but I’m just trying to get my money together so I can be able to handle the deposits and the bills that come after you move,” she said. “All of my doctors are around here close to me. In 12 years, I made this place home for me. … I’ve been stacking my rent, but it’s still not enough if I want to move this month.”
While she said she’s holding onto her rent payments for the time being, she realizes that many of her fellow residents may not be as lucky. Without someone to maintain the apartments, some residents are finding themselves without basic amenities.
“Some people are in dire straits, because they don’t have a stove or a fridge or the air conditioner,” she said. “Their stove went out, or the fridge went out, or they stole the air conditioner while you’re in the apartment.”
Banks isn’t the only one who is formulating a plan to leave. One woman, who asked to remain anonymous, said she’s been trying to save money to move, but she already has $354 wrapped up in a money order that she’s unable to pass off for her rent, due to the property manager’s recent departure.
“It really feels like an abandonment and just stressful to live where I’m living at right now. This just doesn’t happen. It just feels stressful. It doesn’t feel good at all,” she said.
She’s trying to remain optimistic, but as each day passes without someone to maintain the property, she’s losing hope.
“ I just hope that things get better some day, somehow, hopefully, because if not, more than likely I’m going to have to leave because I can only take so much,” she said. “I can’t continue to deal with this situation of hoping and wishing somebody comes, and they don’t.”
This article first appeared on Mississippi Today and is republished here under a Creative Commons Attribution-NoDerivatives 4.0 International License.
The post Future uncertain for residents of abandoned south Jackson apartment complex appeared first on mississippitoday.org
Note: The following A.I. based commentary is not part of the original article, reproduced above, but is offered in the hopes that it will promote greater media literacy and critical thinking, by making any potential bias more visible to the reader –Staff Editor.
Political Bias Rating: Center-Left
This article from *Mississippi Today* primarily focuses on the struggles of low-income residents at Chapel Ridge Apartments, emphasizing the human impact of property mismanagement, regulatory gaps, and systemic neglect. The piece maintains a factual tone, but it centers the voices of vulnerable tenants and local officials seeking accountability—hallmarks of a center-left perspective. While it does not overtly advocate for policy change, the narrative framing highlights social injustice and institutional failures, subtly aligning with progressive concerns about housing equity and corporate responsibility.
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