[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"doc-seo-281565-105":3,"doc-detail-281565-en":81,"detail-sidebar-cat-1-en-105":98},{"code":4,"msg":5,"data":6},0,"ok",{"site_id":7,"language":8,"slug":9,"title":10,"keywords":11,"description":12,"schema_data":13,"social_meta":74,"head_meta":76,"extra_data":78,"updated_unix":80},105,"en","r055-21_sb_248_reg-emergency-regulations-only","R055-21_SB_248_Reg - Emergency Regulations Only","","Emergency regulations establish new requirements under NAC 649 for the enforcement of medical debt collection. The regulation requires collection agencies to send a written 60-day notification to medical debtors before initiating collection actions, defines what constitutes an “action to collect,” and sets limits on when collection activity may begin. It also requires post-notification notice of the legal impact of payment agreements, mandates written verification of compliance, and revises rules for machine-derived form letters, including submission, approval, correction of deficiencies, and record 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is the 60-day notification required for medical debt collection?","Question",{"text":63,"@type":64},"A collection agency must send written notice to a medical debtor not less than 60 days before taking action to collect the medical debt.","Answer",{"name":66,"@type":61,"acceptedAnswer":67},"What actions are considered an “action to collect a medical debt”?",{"text":68,"@type":64},"The Commissioner interprets it to include attempts such as telephone calls, sending certain letters and notices, contacting by electronic means, reporting to credit reporting agencies, demanding payment, and commencing civil actions.",{"name":70,"@type":61,"acceptedAnswer":71},"How are machine-derived form letters governed under the regulation?",{"text":72,"@type":64},"Machine-derived form letters relating to past-due debt must be submitted to the Commissioner during examinations/investigations or upon request, may not be used if found deficient or violating law until corrected and approved, and are treated as records for retention and examination purposes.","https://schema.org",{"og:url":32,"og:type":75,"og:title":10,"og:site_name":45,"og:description":12},"article",{"robots":77,"canonical":32},"index,follow",{"doc_id":79,"site_id":7},281565,1791163133,{"code":4,"msg":82,"data":83},"success",{"doc_id":79,"user_id":84,"nickname":42,"user_avatar":85,"doc_module":22,"category_id":86,"category_name":29,"doc_title":10,"doc_description":12,"doc_content":87,"file_id":88,"file_url":89,"file_type":90,"file_size":91,"view_count":55,"is_deleted":4,"is_public":22,"is_downloadable":22,"audit_status":22,"page_count":92,"language":93,"language_code":8,"site_id":7,"html_lang":8,"table_of_contents":94,"faqs":95,"seo_title":96,"seo_description":12,"update_tm":97,"read_time":30,"preview_page_count":4},5909892330395,"https://ap-avatar.wpscdn.com/davatar_6f874abed73319feea01a86fa6f0fab8",17,"FOR EMERGENCY  \nREGULATIONS ONLY  \n# Form for FilingAdministrative Regulations\n\nEffective date  \nAgency:The Departmentof Business and Industry,Financial InstitutionsDivision  \n   \nGovernor's Signature  \nClassification:  \nPROPOSED  \nEMERGENCY  \nBrief Description of Action:The adopted regulation,NAC 649,LCB FILE NO.R055-21 dated February 11,2022(Senate Bill 248-Medical Debt Collection)is needed to establish provisions relating to the enforcement ofmedical debt collection.  \n   \nAuthority citation other than 233B:Senate Bill No.248,Chapter 291,Statutes of Nevada 2021,at pages1668,1669,1670  \n   \nNotice date:February 16,2022  \nDate of Adoption by Agency:March 23,2022  \nHearing date:March 23,2022  \n何妙  \n# APPROVED REGULATION OF THECOMMISSIONER OF FINANCIAL INSTITUTIONS\n\nLCB File No.R055-21  \nFiled June 13,2022  \nEXPLANATION-Matter in italics is new;matter in brackets lemitted materiall is material to be omitted.  \nAUTHORITY:§§1-9,NRS 649.053.  \nA REGULATION relating to financial institutions;requiring a collection agency to send amedical debtor notification of certain information relating to a medical debt;requiring acollection agency to satisfy certain requirements relating to an action to collect amedical debt;requiring a collection agency to maintain written verification of itscompliance with certain laws governing the collection of medical debts;revisingprovisions governing the use of machine-derived form letters by a collection agency;and providing other matters properly relating thereto.  \nLegislative Counsel's Digest:  \nIn 2021,the Nevada Legislature passed Senate Bill No.248,which requires a collectionagency to send to a medical debtor,not less than 60 days before taking any action to collect amedical debt,written notification which sets forth certain information about the debt.(SenateBill No.248,chapter 291,Statutes of Nevada 2021,at page 1668)  \nSection 2 of this regulation defines the term“60-day notification.”  \nSection 3 of this regulation sets forth the activities which the Commissioner of FinancialInstitutions interprets as being included within the term \"action to collect a medical debt.\"  \nSection 4 of this regulation:(1)requires a collection agency to send a 60-day notificationto a medical debtor when a medical debt is assigned to the collection agency for collection;and  \n(2)sets forth the contents which must be included in the notification.  \nSection 5 of this regulation requires a collection agency which is collecting a medicaldebt on behalf of a hospital to send to the medical debtor,not later than 5 days after theexpiration of the 60-day notification period,a written notice of the legal impact of a payment oragreement to pay the debt.  \nSection 6 of this regulation:(1)prohibits a collection agency from taking any action tocollect a medical debt less than 60 days after mailing a 60-day notification;and(2)requires thecollection agency to comply with certain state and federal laws and regulations.  \nSection 7 of this regulation requires a collection agency to maintain written verificationofits compliance with provisions of existing law governing the collection of medical debts.  \nSection 8 of this regulation makes a conforming change to indicate the proper placementof section 2 in the Nevada Administrative Code.  \nExisting regulations require a collection agency to seek and obtain prior written approvalfrom the Commissioner of Financial Institutions before using any machine-derived form letter.(NAC 649.280)Section 9 of this regulation revises these provisions to:(1)require all machine-derived form letters relating to debt that is past due to be submitted to the Commissioner duringan examination or investigation or upon request by the Commissioner or the Commissioner'sdesignee;(2)prohibit the use ofa machine-derived form letter that was found to be deficient orin violation of state or federal law until the deficiency or violation has been corrected and themachine-derived form letter has been approved by the Commi","cbCaik1ZoTYRRuG9","https://ap.wps.com/l/cbCaik1ZoTYRRuG9","pdf",1439632,8,"English","# Form for Filing Administrative Regulations\n## Emergency regulations only\n## Key provisions and definitions\n## Commissioner requirements and machine-derived letters","[{\"question\":\"What is the 60-day notification required for medical debt collection?\",\"answer\":\"A collection agency must send written notice to a medical debtor not less than 60 days before taking action to collect the medical debt.\"},{\"question\":\"What actions are considered an “action to collect a medical debt”?\",\"answer\":\"The Commissioner interprets it to include attempts such as telephone calls, sending certain letters and notices, contacting by electronic means, reporting to credit reporting agencies, demanding payment, and commencing civil actions.\"},{\"question\":\"How are machine-derived form letters governed under the regulation?\",\"answer\":\"Machine-derived form letters relating to past-due debt must be submitted to the Commissioner during examinations/investigations or upon request, may not be used if found deficient or violating law until corrected and approved, and are treated as records for retention and examination purposes.\"}]","R055-21_SB_248_Reg - Emergency Regulations Only | 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