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Maine credit laws

3 entries

Federal law applies everywhere too. State laws add to it. See federal laws

Medical debt

Reporting of medical debt on a consumer report (P.L. 2025, c. 201)

In effect
Citation:
Me. Rev. Stat. tit. 10, 1310-H(4)
Effective:
Sep 24, 2025

A Maine consumer reporting agency may not report medical debt on a consumer's credit report, and medical creditors, debt collectors and debt buyers may not report a consumer's medical debt to a consumer reporting agency.

What you can do

Pull your free reports and dispute any medical debt that your state says should not be reported.

Official sources

Source checked Sep 29, 2026

Security freezes and fraud alerts

Security freeze by consumer reporting agency

In effect
Citation:
Me. Rev. Stat. tit. 10, 1313-C

Maine law lets you place a security freeze on your credit file, which stops a credit bureau from releasing your report to most new creditors until you lift it. Since September 21, 2018, federal law also makes placing and lifting a freeze free at each nationwide credit bureau.

What you can do

Place a free freeze online or by phone at Equifax, Experian and TransUnion, and keep any PIN or login you create.

Official sources

Source checked Sep 29, 2026

Credit repair company rules

Maine Consumer Credit Code: Loan Brokers

In effect
Citation:
Me. Rev. Stat. tit. 9-A, 10-101 et seq.

Maine regulates businesses that charge to improve a consumer's credit record, history or rating as loan brokers under its Consumer Credit Code. The federal Credit Repair Organizations Act also applies: these companies may not charge before the promised services are fully performed, and you can cancel a contract within 3 business days.

What you can do

Dispute errors yourself for free with the credit bureau and the company that reported the item.

Official sources

Source checked Sep 29, 2026

This is general education, not legal advice. Laws change; check the official source linked on each entry.

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