IIB 
117TH CONGRESS 
1ST SESSION H. R. 2332 
IN THE SENATE OF THE UNITED STATES 
JUNE 16, 2021 
Received; read twice and referred to the Committee on Banking, Housing, and 
Urban Affairs 
AN ACT 
To prohibit consumer reporting agencies from furnishing a 
consumer report containing any adverse item of informa-
tion about a consumer if such consumer is a victim 
of trafficking, and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
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SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Debt Bondage Repair 
Act’’. 
SEC. 2. ADVERSE INFORMATION IN CASES OF TRAF-
FICKING. 
(a) IN GENERAL.—The Fair Credit Reporting Act 
(15 U.S.C. 1681 et seq.) is amended by inserting after 
section 605B the following: 
‘‘§ 605C Adverse information in cases of trafficking 
‘‘(a) IN GENERAL.—A consumer reporting agency 
may not furnish a consumer report containing any adverse 
item of information about a consumer that resulted from 
a severe form of trafficking in persons or sex trafficking 
if the consumer has provided trafficking documentation to 
the consumer reporting agency. 
‘‘(b) RULEMAKING.— 
‘‘(1) IN
GENERAL.—The Director shall, not 
later than 180 days after the date of the enactment 
of this section, issue a rule to implement subsection 
(a). 
‘‘(2) CONTENTS.—The rule issued pursuant to 
paragraph (1) shall establish a method by which 
consumers shall submit trafficking documentation to 
consumer reporting agencies. 
‘‘(c) DEFINITIONS.— 
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‘‘(1) 
TRAFFICKING
DOCUMENTATION.—The 
term trafficking documentation means— 
‘‘(A) documentation of either— 
‘‘(i) a determination by a Federal or 
State government entity that a consumer is 
a victim of trafficking; or 
‘‘(ii) a determination by a court of 
competent jurisdiction that a consumer is 
a victim of trafficking; and 
‘‘(B) documentation that identifies items 
of adverse information that should not be fur-
nished by a consumer reporting agency because 
the items resulted from the severe form of traf-
ficking in persons or sex trafficking of which 
such consumer is a victim. 
‘‘(2) VICTIM OF TRAFFICKING.—For the pur-
poses of this section, the term ‘‘victim of traf-
ficking’’ means a person who is a victim of a severe 
form of trafficking in persons or sex trafficking, as 
such terms are defined in section 103 of the Traf-
ficking Victims Protection Act of 2000.’’. 
(b) TABLE OF CONTENTS AMENDMENT.—The table 
of contents of the Fair Credit Reporting Act is amended 
by inserting after the item relating to section 605B the 
following new item: 
‘‘605C. Adverse information in cases of trafficking.’’. 
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(c) EFFECTIVE DATE.—The amendments made by 
this section shall apply on the date that is 30 days after 
the date on which the Director of the Bureau of Consumer 
Financial Protection issues a rule pursuant to section 
605C(b) of the Fair Credit Reporting Act. 
(d) DETERMINATION OF BUDGETARY EFFECTS.— 
The budgetary effects of this Act, for the purpose of com-
plying with the Statutory Pay-As-You-Go Act of 2010, 
shall be determined by reference to the latest statement 
titled ‘‘Budgetary Effects of PAYGO Legislation’’ for this 
Act, submitted for printing in the Congressional Record 
by the Chairman of the House Budget Committee, pro-
vided that such statement has been submitted prior to the 
vote on passage. 
Passed the House of Representatives June 15, 2021. 
Attest: 
CHERYL L. JOHNSON, 
Clerk. 
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