                                 CODE OF VIRGINIA

DEFINITIONS (§ 59.1-444.1)

As used in this chapter:
		&#8220;Collection entity&#8221; means any person that purchases debt or
collects debt on behalf of another entity.
		&#8220;Consumer&#8221; means an individual who is also a resident of the
Commonwealth.
		&#8220;Consumer report&#8221; has the same meaning as provided in § 603(d) of
the federal Fair Credit Reporting Act (15 U.S.C. § 1681a(d)).
		&#8220;Consumer reporting agency&#8221; has the same meaning as in § 603(f)
of the federal Fair Credit Reporting Act (15 U.S.C. § 1681a(f)).
		&#8220;Credit report&#8221; means a &#8220;consumer report,&#8221; provided,
however, that for purposes of this chapter, a credit report is limited to
information that a consumer reporting agency furnishes to a person that it has
reason to believe intends to use the information as a factor in establishing the
consumer&#8217;s eligibility for credit to be used primarily for personal,
family, or household purposes.
		&#8220;Health care services&#8221; means the furnishing of services for the
purpose of preventing, alleviating, curing, or healing human physical illness or
injury or a mental or behavioral condition or disorder.
		&#8220;Medical debt&#8221; means debt arising from health care services,
including products, devices, durable medical equipment, and prescription drugs,
and from the provision of transportation to receive health care services.
&#8220;Medical debt&#8221; does not include debt charged to a credit card but
does include an open-end or closed-end extension of credit made by a financial
institution to a borrower that may be used by the borrower solely for the
purpose of the purchase of health care services.
		&#8220;Proper identification&#8221; means proper identification as defined in
15 U.S.C. § 1681h(a)(1).

HISTORY: 2008, cc. 480, 496; 2014, c. 570; 2024, c. 751.