§ 1681c–3 — Adverse Information In Cases Of Trafficking

(a) In this section: (1) The term “trafficking documentation” means— (A) documentation of— (i) a determination that a consumer is a victim of trafficking made by a Federal, State, or Tribal governmental entity; or (ii) by a court of competent jurisdiction; and (B) documentation that identifies items of adverse information that should not be furnished by a consumer reporting agency because the items resulted from a severe form of trafficking in persons or sex trafficking of which the consumer is a victim. (2) The terms “severe forms of trafficking in persons” and “sex trafficking” have the meanings given, respectively, in section 103 of the Trafficking Victims Protection Act of 2000 (22 U.S.C. 7102). (3) The term “victim of trafficking” means a person who is a victim of a severe form of trafficking in persons or sex trafficking. (b) 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. (1) Not later than 180 days after December 27, 2021, the Director shall issue rules to implement subsection (a). (2) The rules issued pursuant to paragraph (1) shall establish a method by which consumers shall submit trafficking documentation to consumer reporting agencies.