> like running up cancer treatment bills that they can't afford to pay

Looking at this strictly from the perspective of creditworthiness, the question isn't the morality of the debt but whether this influences that person's ability to pay their credit card bill on time.

Based on the CFPB's data, if that's the sole delinquency on the report, the answer is a coin flip [1].

[1] https://files.consumerfinance.gov/f/201412_cfpb_reports_cons... page 7

If you can identify a solution to the “I had cancer and lost all of my savings” problem (they do exist!), I’m on board. In the meantime, I don’t care if some lenders are prevented from denying car loans to people with insurmountable medical debt.

I too would prefer an actual solution instead of a veneer.

It’s worth remembering that this won’t impact loaners, though; they don’t care as long as everyone has to do it so they aren’t getting undercut on rates.

They’ll just raise interest rates to cover the extra delinquencies, making cars/houses/etc less affordable to the poor. Hopefully by a small amount if the CFPB is right.

Or having a medical emergency and being rushed to a hospital that happens to be out of network.