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Several laws are set to benefit consumers directly, particularly in the financial sector. Beginning January 1, state-chartered banks and credit unions will be prohibited from charging overdraft fees when an account is insufficiently funded for withdrawals. Additionally, starting in 2025, medical debt will no longer appear on credit reports, helping consumers maintain their credit scores even if they struggle with outstanding medical bills. Although this law does not erase the debts themselves, it provides a layer of protection against negative impacts on one's creditworthiness.