II 

117TH CONGRESS 

1ST SESSION S. 2040 

To prohibit consumer reporting agencies from furnishing a consumer report 

containing any adverse item of information about a consumer if the 

consumer is a victim of trafficking, and for other purposes. 

IN THE SENATE OF THE UNITED STATES 

JUNE 14, 2021 

Mr. CORNYN introduced the following bill; which was read twice and referred 

to the Committee on Banking, Housing, and Urban Affairs 

A BILL 

To prohibit consumer reporting agencies from furnishing a 

consumer report containing any adverse item of information about a consumer if the 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’’. 


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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) DEFINITIONS.—In this section: 

8 ‘‘(1) TRAFFICKING DOCUMENTATION.—The 

9 term ‘trafficking documentation’ means— 

10 ‘‘(A) documentation of— 

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

12 State governmental entity that a consumer 

13 is a victim of trafficking; or 

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

15 competent jurisdiction that a consumer is 

16 a victim of trafficking; and 

17 ‘‘(B) documentation that identifies items 

18 of adverse information that should not be fur19 nished by a consumer reporting agency because 

20 the items resulted from the severe form of traf21 ficking in persons or sex trafficking of which 

22 the consumer is a victim. 

23 ‘‘(2) VICTIM OF TRAFFICKING.—The term ‘vic24 tim of trafficking’ means a person who is a victim 

25 of a severe form of trafficking in persons or sex traf26 ficking, as those terms are defined in section 103 of 


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1 the Trafficking Victims Protection Act of 2000 (22 

2 U.S.C. 7102). 

3 ‘‘(b) ADVERSE INFORMATION.—A consumer report4 ing agency may not furnish a consumer report containing 

5 any adverse item of information about a consumer that 

6 resulted from a severe form of trafficking in persons or 

7 sex trafficking if the consumer has provided trafficking 

8 documentation to the consumer reporting agency. 

9 ‘‘(c) RULEMAKING.— 

10 ‘‘(1) IN GENERAL.—Not later than 180 days 

11 after the date of the enactment of this section, the 

12 Director shall promulgate regulations to implement 

13 subsection (a). 

14 ‘‘(2) CONTENTS.—The regulations issued pur15 suant to paragraph (1) shall establish a method by 

16 which consumers shall submit trafficking docu17 mentation to consumer reporting agencies.’’. 

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: 

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

22 (c) APPLICABILITY.—The amendments made by this 

23 section shall apply to any trafficking documentation, as 

24 defined in section 605C(a) of the Fair Credit Reporting 

25 Act, as added by subsection (a) of this section, provided 


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1 on or after the date that is 30 days after the date on which 

2 the Director of the Bureau of Consumer Financial Protec3 tion promulgates regulations pursuant to subsection (c) of 

4 section 605C. 

Æ 


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