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CFPB RIN: 3170-AB12 Publication ID: Spring 2022 
Title: ●Adverse Information in Cases of Human Trafficking Under the Debt Bondage Repair Act 
Abstract:

The National Defense Authorization Act (NDAA), enacted on December 27, 2021, amended the Fair Credit Reporting Act to prohibit consumer reporting agencies from furnishing 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. The NDAA includes a requirement for the Bureau to conduct a rulemaking to implement the provisions it added to the FCRA. 

 
Agency: Consumer Financial Protection Bureau(CFPB)  Priority: Other Significant 
RIN Status: First time published in the Unified Agenda Agenda Stage of Rulemaking: Final Rule Stage 
Major: Undetermined  Unfunded Mandates: Undetermined 
CFR Citation: 12 CFR 1022   
Legal Authority: 15 U.S.C. 1681, et seq.   
Legal Deadline:
Action Source Description Date
Final  Statutory  Final Statutory 6/24/022  06/24/2022 
Timetable:
Action Date FR Cite
NPRM  04/08/2022  87 FR 20771   
NPRM Comment Period End  05/09/2022 
Final Rule  06/00/2022 
Regulatory Flexibility Analysis Required: Undetermined  Government Levels Affected: Undetermined 
Small Entities Affected: Businesses, Governmental Jurisdictions  Federalism: Undetermined 
Included in the Regulatory Plan: No 
RIN Data Printed in the FR: No 
Agency Contact:
Lanique Eubanks
Senior Counsel, Office of Regulations
Consumer Financial Protection Bureau
1700 G Street NW,
Washington, DC 20552
Phone:202 435-9415