"No One Should Be Denied Economic Opportunity Because They Got Sick or Experienced a Medical Emergency," Harris Said.Jan 7 (Reuters) - President Joe Biden's Outgoing Administration Announced on Tuesday a Ban on Medical Debt in American Consumers' Credit Reports, Making Good on a Campaign Year Pledge Less Than Two Weeks Before Leaving Office.
1月7日（路透社） - 美国总统乔·拜登的离任政府于周二宣布禁止美国消费者的信用报告中包含医疗债务，兑现了在竞选年做出的承诺，这一行动距他卸任不到两周。
Officials Said the New Regulation, Adopted Despite Objections From the Banking and Consumer Data Industries, Would Remove $49 Billion in Medical Bills From the Credit Reports of About 15 Million Americans.
官员表示，这项新规在银行和消费数据行业反对的情况下通过，将会使约1500万美国人的信用报告中移除490亿美元的医疗账单。
The Announcement From the U.S. Consumer Financial Protection Bureau Came Despite Demands From Congressional Republicans That Biden's Financial Regulators Stop Issuing New Rules as President-Elect Donald Trump Prepares to Take Office on Jan. 20, Running the Risk That Trump or Conservative Lawmakers May Seek to Reverse It.
美国消费金融保护局发布的公告表明， 需求 国会共和党人要求拜登的金融监管机构停止发布新规，风险在于特朗普或保守派立法者可能寻求撤销这项规定，因为特朗普将于1月20日就任。
In a Statement, Vice President Kamala Harris, Who Championed the Initial Policy Proposal in June, Said the Move Would Be "Life-Changing for Millions of Families."
在一份声明中，副总统卡马拉·哈里斯，她 倡导 六月的初步政策提案中表示，此举将对"数百万家庭改变生活。"
"No One Should Be Denied Economic Opportunity Because They Got Sick or Experienced a Medical Emergency," Harris Said.
"没有人应该因为生病或经历医疗紧急情况而被剥夺经济机会，"哈里斯说道。
According to the Cfpb, Medical Debt Provides Little Indication of Whether a Borrower Is Likely to Repay a Loan and the Change Should Result in an Additional 22,000 Low-Cost Mortgages per Year and Rising Credit Scores.
根据消费者金融保护局的数据，医疗债务对借款人可能偿还贷款的指示几乎没有，而这一变化每年应增加22000笔低成本抵押贷款，并提高信用评分。
The New Rule Will Also Prohibit Lenders From Considering Medical Information in Making Lending Decisions and Help Prevent Debt Collectors From Seeking to Coerce Consumers Into Paying Erroneous Medical Debts They Do Not Actually Owe, the Agency Said in a Statement.
该新规还将禁止贷款人在做出贷款决策时考虑医疗信息，并帮助防止债务收集者试图强迫消费支付他们实际上并不欠的错误医疗债务，机构在一份声明中表示。
The Change Was Endorsed by the American Medical Association.
这一变化得到了美国医学会的支持。
Trade Groups Representing Banks and Credit Bureaus Said the Evidence Did Not Support the Cfpb's Decision, and the Ban Could Leave Them Blind to Important Information About the Risk Financial Institutions Face From Borrowers.
代表银行和信用机构的贸易团体表示，证据并不支持消费者金融保护局的决定，而禁令可能使他们对借款人所面临的金融机构风险的重要信息视而不见。
The American Bankers Association Said That Could Mean Banks Offer Fewer Loans.
美国银行家协会表示，这可能意味着银行提供的贷款会减少。
(Reporting by Douglas Gillison; Editing by Kate Mayberry)
（道格拉斯·吉利森报道；凯特·梅伯里编辑）
((Douglas.gillison@Thomsonreuters.com;))
((Douglas.gillison@Thomsonreuters.com;))
