FILE - Consumer Financial Protection Bureau Director Rohit Chopra, speaks from the South Court Auditorium on the White House complex in Washington, April 11, 2022, about medical debt during an event with Vice President Kamala Harris. Nursing homes and debt collectors are flouting a law that prohibits them from requiring friends and family of care home residents to shoulder the costs of the facilities, according to a federal report issued Thursday. (AP Photo/Jacquelyn Martin, File)