The Consumer Financial Protection Bureau (CFPB) has released new rules, through the Small Business Regulatory Enforcement Fairness Act (SBREFA) (pronounced sa-brief-a) process, that would drastically change the landscape of credit reporting. The regulations would heavily restrict credit reporting agencies’ ability to use medical debt in determining credit scores of borrowers, as well as expand the definition of credit reporters which will likely have measurable effects on internet content providers. Shareholders Leah Dempsey and Sarah Auchterlonie are joined by Ph.D. economist Andrew Nigrinis to discuss the background of these guardrails, how they may affect different industries and what legal and political challenges these rules face.