"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）- 總統喬·拜登的卸任政府在週二宣佈禁止美國消費者信用報告中的醫療債務，實現了在離任前不足兩週的競選承諾。
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.
官員表示，儘管銀行和消費數據行業對此有異議，新法規將使約1500萬美國人的信用報告中刪除490億美元的醫療賬單。
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.
美國消費者金融保護局的公告儘管 需求 來自國會共和黨人的聲索，拜登的金融監管機構應停止發佈新規則，因爲當選總統特朗普準備在1月20日上任，這樣做的風險是特朗普或保守派立法者可能尋求推翻該規定。
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."
在一份聲明中，副總統卡馬拉·賀錦麗，誰 倡導 六月的初步政策提案表示，此舉將對 "數百萬家庭的生活產生改變。"
"No One Should Be Denied Economic Opportunity Because They Got Sick or Experienced a Medical Emergency," Harris Said.
"沒有人應該因爲生病或遭遇醫療緊急情況而被剝奪經濟機會，"賀錦麗說。
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.
根據消費者金融保護局（Cfpb）的說法，醫療債務幾乎無法指示借款人是否有可能償還貸款，並且這一變化每年應該能帶來額外22,000個低成本貸款和越來越高的信用評分。
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.
新規則還將禁止貸方在做出貸款決策時考慮醫療信息，並幫助防止債務催收人員試圖強迫消費者償還他們實際上並不欠的錯誤醫療債務，該機構在一份聲明中表示。
The Change Was Endorsed by the American Medical Association.
該變化得到了美國醫學協會的支持。
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.
代表銀行和信用局的貿易組織表示，證據不足以支持Cfpb的決定，而禁令可能使他們對借款人可能面臨的金融機構風險的重要信息視而不見。
The American Bankers Association Said That Could Mean Banks Offer Fewer Loans.
美國銀行家協會表示，這可能意味着銀行提供的貸款數量會減少。
(Reporting by Douglas Gillison; Editing by Kate Mayberry)
（作者：道格拉斯·吉利森；編輯：凱特·梅伯裏）
((Douglas.gillison@Thomsonreuters.com;))
((Douglas.gillison@Thomsonreuters.com;))
