An Act to amend and reenact § 59.1-200, as it is currently effective and as it shall become effective, of the Code of Virginia and to amend the Code of Virginia by adding in Title 59.1 a chapter numbered 58, consisting of sections numbered 59.1-607, 59.1-608, and 59.1-609, relating to Medical Debt Protection Act established; prohibited practices; penalties. Medical Debt Protection Act; prohibited practices; penalties. Creates the Medical Debt Protection Act to prohibit a large health care facility or medical debt buyer, as those terms are defined in the bill, from using certain extraordinary collection actions to collect medical debt or from charging interest or late fees on medical debt until 90 days following the due date applicable to the final invoice. The bill specifies that no such interest or late fees shall exceed three percent of the amount of such medical debt per annum. The bill provides that a violation of its provisions constitutes a prohibited practice under the Virginia Consumer Protection Act. The bill has a delayed effective date of July 1, 2026.