117TH CONGRESS 

1ST SESSION H. R. 2332 

AN ACT 

To prohibit consumer reporting agencies from furnishing a 

consumer report containing any adverse item of information about a consumer if such consumer is a victim 

of trafficking, and for other purposes. 

1 Be it enacted by the Senate and House of Representa2 tives of the United States of America in Congress assembled, 
2 

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1 SECTION 1. SHORT TITLE. 

2 This Act may be cited as the ‘‘Debt Bondage Repair 

3 Act’’. 

4 SEC. 2. ADVERSE INFORMATION IN CASES OF TRAF5 FICKING. 

6 (a) IN GENERAL.—The Fair Credit Reporting Act 

7 (15 U.S.C. 1681 et seq.) is amended by inserting after 

8 section 605B the following: 

9 ‘‘§ 605C Adverse information in cases of trafficking 

10 ‘‘(a) IN GENERAL.—A consumer reporting agency 

11 may not furnish a consumer report containing any adverse 

12 item of information about a consumer that resulted from 

13 a severe form of trafficking in persons or sex trafficking 

14 if the consumer has provided trafficking documentation to 

15 the consumer reporting agency. 

16 ‘‘(b) RULEMAKING.— 

17 ‘‘(1) IN GENERAL.—The Director shall, not 

18 later than 180 days after the date of the enactment 

19 of this section, issue a rule to implement subsection 

20 (a). 

21 ‘‘(2) CONTENTS.—The rule issued pursuant to 

22 paragraph (1) shall establish a method by which 

23 consumers shall submit trafficking documentation to 

24 consumer reporting agencies. 

25 ‘‘(c) DEFINITIONS.— 
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1 ‘‘(1) TRAFFICKING DOCUMENTATION.—The 

2 term trafficking documentation means— 

3 ‘‘(A) documentation of either— 

4 ‘‘(i) a determination by a Federal or 

5 State government entity that a consumer is 

6 a victim of trafficking; or 

7 ‘‘(ii) a determination by a court of 

8 competent jurisdiction that a consumer is 

9 a victim of trafficking; and 

10 ‘‘(B) documentation that identifies items 

11 of adverse information that should not be fur12 nished by a consumer reporting agency because 

13 the items resulted from the severe form of traf14 ficking in persons or sex trafficking of which 

15 such consumer is a victim. 

16 ‘‘(2) VICTIM OF TRAFFICKING.—For the pur17 poses of this section, the term ‘‘victim of traf18 ficking’’ means a person who is a victim of a severe 

19 form of trafficking in persons or sex trafficking, as 

20 such terms are defined in section 103 of the Traf21 ficking Victims Protection Act of 2000.’’. 

22 (b) TABLE OF CONTENTS AMENDMENT.—The table 

23 of contents of the Fair Credit Reporting Act is amended 

24 by inserting after the item relating to section 605B the 

25 following new item: 

‘‘605C. Adverse information in cases of trafficking.’’. 
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1 (c) EFFECTIVE DATE.—The amendments made by 

2 this section shall apply on the date that is 30 days after 

3 the date on which the Director of the Bureau of Consumer 

4 Financial Protection issues a rule pursuant to section 

5 605C(b) of the Fair Credit Reporting Act. 

6 (d) DETERMINATION OF BUDGETARY EFFECTS.— 

7 The budgetary effects of this Act, for the purpose of com8 plying with the Statutory Pay-As-You-Go Act of 2010, 

9 shall be determined by reference to the latest statement 

10 titled ‘‘Budgetary Effects of PAYGO Legislation’’ for this 

11 Act, submitted for printing in the Congressional Record 

12 by the Chairman of the House Budget Committee, pro13 vided that such statement has been submitted prior to the 

14 vote on passage. 

Passed the House of Representatives June 15, 2021. 

Attest: 

Clerk. 

117TH CONGRESS 

1ST SESSION H. R. 2332 

AN ACT 

To prohibit consumer reporting agencies from furother purposes. such consumer is a victim of trafficking, and for verse item of information about a consumer if nishing a consumer report containing any ad-