The ruling targets a Consumer Financial Protection Bureau rule that would have removed medical debt from 15 million credit reports.

The CFPB pushed further, however, finalizing a rule in early January barring all medical debt from influencing people’s credit scores. It estimated that the rule would remove roughly $49 billion in medical bills from the credit reports of 15 million Americans, raising their scores by an average of 20 points.

The three national credit reporting agencies — Experian, Equifax, and TransUnion — announced last year that they would remove medical collections under $500 from U.S. consumer credit reports. The CFPB’s rule was projected to ban all outstanding medical bills from appearing on credit reports and prohibit lenders from using the information.