 That said, the landscape of medical debt is also rapidly changing. Recent policy changes have reduced the influence of these debts on credit reports already, and existing proposals would seek to reduce their role in personal finances further still. And so with that in mind, I do want to make just two points. First, I really do not want to be pessimistic, but policymakers should have realistic expectations for how much these changes will improve broader measures of consumer finances, since of course that is one of the goals here.