MITCHELL, S.D.  (MITCHELLNOW) A South Dakota banking expert is speaking out about a new federal ruling that will remove certain debts from consumer credit reports, which could affect about 15 million people. Karl Adam, president of the South Dakota Bankers Association, says the move to remove medical debt might not be as helpful as it seems. He points out that without a full picture of someone’s debt, banks could end up approving risky loans. In South Dakota, about 18% of adults reportedly have medical debt, the highest rate in the country. The Biden Administration’s plan is set to go into effect in March.