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Rhode Island credit laws

2 entries

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

Medical debt

Medical Debt Reporting (P.L. 2024, ch. 224 and 225)

In effect
Citation:
R.I. Gen. Laws 6-60-1 et seq.
Effective:
Jan 1, 2025

Rhode Island health care providers, licensed health care facilities and emergency medical transportation services may not furnish information about any part of a medical debt to a consumer reporting agency. Their contracts with collectors must also forbid reporting it.

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

Consumer Empowerment and Identity Theft Prevention Act (security freeze)

In effect
Citation:
R.I. Gen. Laws 6-48-1 et seq. (freeze at 6-48-5)

Rhode Island 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

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

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