Americans for Financial Reform Education Fund and the Center for Responsible Lending support the rule to prohibit creditors and consumer reporting agencies from using medical debt information for credit eligibility determinations. The rule is essential to protect families from the negative impacts of medical debt on their health and their finances. But the rule is especially important to protect Black, Latine, and other people of color who are more likely to have medical debt burdens. These medical debts and their negative consequences are substantially rooted in a historical and ongoing legacy of structural racism in housing, employment, and healthcare policies that contribute to racial economic inequality, racial gaps in health insurance coverage, and racial health. The proposed rule will not remedy these inequities, as it does not address the causes of the wide racial disparities in the prevalence of medical debt. But it is essential to prevent the negative outcomes of medical debt from perpetuating these racial inequities in future financial determinations — the ability to secure credit, apply for a job, or get an apartment.