I 

117TH CONGRESS 

1ST SESSION H. R. 2332 

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. 

IN THE HOUSE OF REPRESENTATIVES 

APRIL 1, 2021 

Mr. MCHENRY (for himself, Mrs. WAGNER, Mr. GONZALEZ of Ohio, Mr. TAYLOR, and Mr. HILL) introduced the following bill; which was referred to 

the Committee on Financial Services 

A BILL 

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, 

3 SECTION 1. SHORT TITLE. 

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

5 Act’’. 


pbinns on DSKJLVW7X2PROD with BILLS
2 

•HR 2332 IH

1 SEC. 2. ADVERSE INFORMATION IN CASES OF TRAF2 FICKING. 

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

4 (15 U.S.C. 1681 et seq.) is amended by inserting after 

5 section 605B the following: 

6 ‘‘§ 605C Adverse information in cases of trafficking 

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

8 may not furnish a consumer report containing any adverse 

9 item of information about a consumer that resulted from 

10 a severe form of trafficking in persons or sex trafficking 

11 if a court of competent jurisdiction, in a lawsuit that is 

12 not a class action lawsuit, has determined that the con13 sumer is a victim of trafficking. 

14 ‘‘(b) RULEMAKING.— 

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

16 later than 180 days after the date of the enactment 

17 of this section, issue a rule to implement subsection 

18 (a). 

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

20 paragraph (1) shall establish a method by which 

21 consumers may submit documentation to consumer 

22 reporting agencies, including— 

23 ‘‘(A) documentation of a determination by 

24 a court of competent jurisdiction that such con25 sumer is a victim of trafficking; and 


pbinns on DSKJLVW7X2PROD with BILLS
3 

•HR 2332 IH

1 ‘‘(B) documentation that identifies items 

2 of adverse information that should not be fur3 nished by the consumer reporting agency be4 cause the items resulted from the severe form 

5 of trafficking in persons or sex trafficking of 

6 which the consumer is a victim. 

7 ‘‘(c) VICTIM OF TRAFFICKING DEFINED.—For the 

8 purposes of this section, the term ‘‘victim of trafficking’’ 

9 means a person who— 

10 ‘‘(1) is a victim of a severe form of trafficking 

11 in persons or sex trafficking, as such terms are de12 fined in section 103 of the Trafficking Victims Pro13 tection Act of 2000; and 

14 ‘‘(2) has been listed as a victim in a criminal 

15 case against a person who has been found guilty of 

16 a severe form of trafficking in persons or sex traf17 ficking.’’. 

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

19 of contents of the Fair Credit Reporting Act is amended 

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

21 following new item: 

‘‘605C. Adverse information in cases of trafficking.’’. 

22 (c) EFFECTIVE DATE.—The amendments made by 

23 this section shall apply on the sooner of— 

24 (1) the date that is 30 days after the date on 

25 which the Director of the Bureau of Consumer FiVerDate Sep 11 2014 03:42 Jun 02, 2021 Jkt 019200 PO 00000 Frm 00003 Fmt 6652 Sfmt 6201 E:\BILLS\H2332.IH H2332

pbinns on DSKJLVW7X2PROD with BILLS
4 

•HR 2332 IH

1 nancial Protection issues a rule pursuant to section 

2 605C(b) of the Fair Credit Reporting Act; or 

3 (2) the date that is 2 years after the date of the 

4 enactment of section 605C of the Fair Credit Re5 porting Act. 

Æ 


pbinns on DSKJLVW7X2PROD with BILLS