CFPB Proposes Prohibiting Inclusion of Medical Debt on Consumer’s Credit Reports
On August 10, 2023, CCLP celebrated our 25th anniversary, bringing friends new and old to the Carriage House at the Governor's Residence.
Katie Wallat, CCLP’s Senior Attorney, provided testimony at the August 11, 2023, meeting of the Medical Services Board.
HB23-1126 provides first-in-the-nation protections for Coloradans with medical debt.
CCLP’s thoughts on Colorado’s special legislative session regarding COVID-19
Too many Coloradans are hurting directly and profoundly because of the pandemic. With federal relief expiring, evictions loom around the corner and food bank lines grow longer. Meanwhile, workers in many sectors might not see their jobs return and will require retraining. Sadly, immigrants without work authorizations have been excluded from most of the government aid distributed to date.
As these problems mount — and with additional federal relief nowhere in sight — we are encouraged to see Colorado Gov. Jared Polis and state legislators take action to prevent further harm by calling for a special session of the Colorado Legislature, beginning on Nov. 30.
Among the issues to be considered in this short (and hopefully, very productive) session: Housing and rental assistance; support for child care providers; food insecurity issues, utilities assistance, the public health response and expanding broadband access for students and educators in areas that lack digital connectivity.
With the special session starting after the Thanksgiving Day weekend, the policy experts at Colorado Center on Law and Policy weighed in on what should be the session’s priorities (with a clear understanding of Colorado’s constitutional limitations and budgetary constraints):
Housing and rental assistance – Despite a temporary moratorium to halt some evictions until the public health crisis subsides, the housing crisis remains a clear and present danger in Colorado. Amid this fraught environment, legislators will consider a proposal to allocate $50 million for emergency financial assistance to landlords and tenants during the special session.
We support this effort, and we also urge legislators to set aside some funds to expand the availability of legal aid for tenants facing eviction, as well as ensuring that such funds are available to support Colorado immigrants without documentation.
Support for child care providers — Even before the pandemic hit, child care providers were struggling. Profit margins were negligible and early-childhood educators generally earned only half of what kindergarten schoolteachers make. Turnover in this sector was extraordinarily high, due to low pay, long hours and high responsibility.
Meanwhile, many Colorado workers still struggle to balance remote work with their children’s remote-learning needs. But many – such as essential workers — simply cannot do their jobs without child care. Unfortunately, many child care providers closed their doors during the pandemic.
The money from the soon-to-expire CARES Act helped to keep the lights on in some child care centers, as many parents pulled children out of child care when they lost their jobs. Throughout the pandemic, child care providers have wrestled with lowered capacity, higher costs for cleaning supplies and protective gear, and varying demand and their own health concerns and risk factors. More than one-fourth of child care providers expect to close their doors without additional support.
During the special session, we expect to see legislation allocating $35 million of sustainability grants for child care providers that are currently open. This money could address issues associated with increased cleaning costs, supplies, operating costs for any required quarantining period, etc.
Other legislation being considered could help mitigate the attrition of child care facilities – particularly in areas with few providers – by making $10 million in grants available. These one-time grants would be designed to keep the child care sector viable for the next few months until vaccines allow us transition out of the public health emergency.
CCLP supports efforts to ensure families and Colorado’s economic recovery is not delayed due to disintegration of our state’s fragile child care infrastructure.
Food insecurity – We support our coalition partners from the Colorado Blueprint to End Hunger in recommending flexible policies that can serve as many diverse communities as possible; including food-pantry assistance grants, home deliveries and relief for individuals with disparate immigration status. (For example, local communities could use funding for CSA box subscriptions or leveraging local restaurants to help with food preparation and delivery).
All told, the Blueprint coalition recommended $5 million for additional state food relief efforts amid widespread concern that resources at food banks and food pantries are strained and will be even more strained during what’s expected to be a long winter.
Utilities assistance – CCLP also supports legislation to distribute an additional $5 million to help Coloradans with low incomes to pay their energy bills. These funds would be distributed by our partners at Energy Outreach Colorado.
With demand for energy assistance already increasing by more than 25 percent compared to last year, we anticipate that these funds would be spent very quickly and provide much-needed emergency assistance for many Colorado households.
Public health — Some of the dollars currently earmarked for public health should go to improving the uptake of Medicaid, subsidized health coverage and SNAP (the Supplemental Nutrition Assistance Program) to tens of thousands of Coloradans who have suffered job loss due to the pandemic and remain without health coverage and access to adequate food.
Any money spent by the state for Health First Colorado (the state’s Medicaid program) or SNAP is more than doubled by federal dollars, so there is a multiplier effect when the state facilitates enrollment in federal programs. Increasing enrollment through Connect for Health Colorado also brings in millions of dollars every year through federal premium assistance.
In addition to leveraging these federal programs, the funds should also go toward improving state websites and information on coverage options and to prioritizing translation into Spanish and other languages – an aspect that has been neglected by the state and harms a population that already experiences more COVID-19-related illness and death.
Resources should also be directed toward expanding efforts at medical-assistance sites and community-based organizations to help Coloradans access health coverage. This is especially vital while county offices are closed or only minimally open.
Increasing broadband access – The recent surge in COVID-19 caseloads has forced many school districts – particularly those in the Front Range – to switch to remote learning. Unfortunately, students without broadband and wi-fi access face a severe academic disadvantage. We support legislative efforts to bridge the digital divide that could prevent future workers from succeeding.
While vaccines offer hope for the future, the short-term effect and long-term aftershocks from the pandemic threaten the health and well-being of our communities. Hopefully, the special session will provide relief for Coloradans who need it most.
Thanks to Gov. Polis and state legislators for demonstrating leadership during this exceptionally difficult time.
– By CCLP Staff