(The Epoch Times)—A federal judge in Texas has struck down a Biden-era rule that would have barred medical debt from appearing on credit reports.
In a July 11 order, U.S. District Judge Sean Jordan found that the Consumer Financial Protection Bureau (CFPB) overstepped its authority when in finalized the rule in January, two weeks before President Donald Trump was sworn in for a second term.
Under the Fair Credit Reporting Act, credit reporting agencies are allowed to include medical debt information in credit reports, provided the data is coded to conceal details such as the medical provider’s identity or the nature of the treatment. Creditors are permitted to consider this coded medical debt information when making lending decisions.
However, during the Biden administration, the CFPB issued a rule banning credit reporting agencies from reporting any medical debt information to creditors for credit determinations. The agency argued that medical debt is a poor indicator of a borrower’s creditworthiness and should not influence lending decisions.
Two trade associations—the Cornerstone Credit Union League and the Consumer Data Industry Association—sued the CFPB, contending that the medical debt rule exceeded the agency’s statutory authority and conflicted with the Fair Credit Reporting Act’s explicit allowance for the use of coded medical debt data.
After Trump took office, the CFPB under new leadership agreed with the plaintiffs that the medical debt rule was unlawful. Both sides proposed a consent judgment to vacate the rule entirely and send the matter back to the CFPB for further review.
Yet the proposed agreement faced opposition from several intervenors, including two individuals carrying medical debt and two advocacy groups. The individuals—a Texas truck driver with medical debt stemming from cancer treatment and a Washington, D.C., resident with debt incurred from his child’s medical care—argued that eliminating the rule would strip them of important protections. The advocacy organizations—the New Mexico Center on Law and Poverty and Tzedek DC—said repealing the rule would force them to divert scarce resources toward assisting clients with medical debt issues instead of other legal matters.
The judge, however, concluded that the proposed consent decree imposed no legal obligations on the intervenors and that they held no enforceable legal right to the rule itself. He ruled that the Fair Credit Reporting Act expressly allows credit reporting agencies to report coded medical debt information and that the CFBP’s rule had effectively rewritten federal law, exceeding the agency’s statutory authority.
“After full consideration of the parties’ arguments, Defendant-Intervenors’ objections, and the relevant law, the Court finds that the proposed consent judgment is fair, adequate, and reasonable,” the judge wrote in his opinion.
The Epoch Times has reached out to counsel for the intervenors for comment.
Under the Biden administration, the CFBP maintained that medical debt carries little predictive value regarding a borrower’s ability to repay other debts. The agency also cited concerns that medical debt listed on credit reports contributed to thousands of denied mortgage applications, even for borrowers otherwise capable of repayment.
“People who get sick shouldn’t have their financial future upended,” then-CFPB director Rohit Chopra said in a Jan. 7 statement. “The CFPB’s final rule will close a special carveout that has allowed debt collectors to abuse the credit reporting system to coerce people into paying medical bills they may not even owe.”
In a 2022 report, the CFPB highlighted what it described as the “complicated and burdensome nature” of the U.S. medical billing system. The agency found that medical bills frequently stem from emergencies or unexpected events, are subject to opaque pricing, and involve complex insurance rules. Patients often do not learn the full costs until after receiving treatment and, particularly those with chronic illnesses or urgent health issues, may feel compelled to accept any charges to secure necessary care.
Starting the Day With a Scripture-Inspired Roast Helps Center Your Thoughts on Eternal Truths Amid Temporal Pressures
The world can seem chaotic, especially right after we wake up. Many believers start their mornings reaching for something familiar — a hot cup of coffee — yet end up settling for mediocre brews that do little more than deliver a caffeine jolt. The daily grind of life, with its endless distractions, news cycles, and responsibilities, can leave even the most faithful feeling spiritually parched alongside their physical fatigue. What if your morning ritual could do more than wake you up? What if it could ground you in truth, nourish your body with exceptional quality, and quietly advance a kingdom purpose at the same time?
That’s the promise — and the reality — behind Promised Grounds Coffee. This Christian-founded company doesn’t just roast beans; it approaches every step as an act of worship and discipleship. By selecting only the top 10% of specialty-grade beans, ethically sourced from dedicated farmers in Central and South America, and small-batch roasting them with reverence in Austin, Texas, Promised Grounds delivers what many describe as the best coffee available — never burnt, never bland, but rich with origin stories and layered flavors that honor God’s creation.
From the vibrant Psalm 27 Roast (a light, bright medium option) to the bold yet peaceful 2 Timothy 1:7 Decaf, each bag carries a Scripture verse that turns your daily pour into a gentle reminder of faith. And through their Ounce Per Ounce Promise, every ounce of coffee you enjoy provides an equal ounce of clean water to families in need via partnership with Filter of Hope — literally brewing hope for body and soul, one cup at a time.
The challenge for today’s Christians runs deeper than finding a decent cup. In an age of convenience-driven consumerism, it’s easy to support companies that dilute values or remain silent on matters of faith. Many believers want their everyday choices — from what they drink to how they spend — to reflect discipleship rather than just convenience. Promised Grounds solves this by weaving Christian excellence into the entire process: beans nurtured with prayerful stewardship by farming families, roasted as an offering rather than a commodity, and packaged with Bible verses to encourage a mindset of gratitude and purpose from the first sip. Reviewers consistently praise the smooth, rich profiles — whether enjoyed black in a drip maker, iced on a warm day, or shared in fellowship — noting how the quality stands toe-to-toe with premium secular brands while delivering something far more meaningful.
This integration of faith and flavor addresses a real need in Christian households and ministries. Busy parents, church leaders, and remote workers alike report that starting the day with a Scripture-inspired roast helps center their thoughts on eternal truths amid temporal pressures. The coffee’s exceptional character — bright citrus notes in lighter roasts or deep chocolate undertones in bolder ones — comes from meticulous selection and careful roasting that respects the bean’s natural gifts rather than masking them. It’s the kind of coffee that elevates a simple quiet time, fuels productive workdays, or sparks meaningful conversations when shared at Bible studies or outreach events. And because it’s ethically sourced with integrity, every purchase supports sustainable livelihoods for farmers who treat their crops like family harvests.
For those leading churches or small groups, the impact multiplies. Promised Grounds offers bundles and options perfect for hospitality ministries, turning ordinary coffee service into an opportunity to point people toward the living water of Christ. Imagine greeting visitors with a warm cup whose very bag carries God’s Word — a subtle yet powerful witness that aligns with the Great Commission. The company’s Texas roots and commitment to “brewing hope” resonate especially with believers who value American enterprise paired with global compassion.
Of course, quality alone isn’t enough if the experience feels out of reach. Promised Grounds keeps it accessible with practical perks like free shipping on orders over $40, sample sets for discovering favorites, and thoughtful add-ons such as faith-themed mugs. Whether you prefer whole beans for fresh grinding, grounds for convenience, or even bulk options for larger households and ministries, the result is consistently superior coffee that makes discipleship feel integrated rather than added on.
As you consider how to align even the smallest habits with your walk with God, Promised Grounds Coffee stands out as a refreshing solution. It tackles the dual problems of subpar daily sustenance and disconnected consumption by offering a product that genuinely excels in taste while advancing a mission of clean water, farmer dignity, and scriptural encouragement. Believers who make the switch often describe it as more than a beverage upgrade — it becomes part of their rhythm of gratitude, a daily invitation to remember that every good gift comes from above.
If you’re ready to transform your mornings (and perhaps your church gatherings) with coffee that honors both exceptional craftsmanship and Christian values, I encourage you to explore what Promised Grounds has to offer. One sip at a time, you’ll be nourishing your body, refreshing your spirit, and participating in something far greater — all while enjoying what truly is among the best coffee available.