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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 

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 
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
Office of Regulations
Consumer Financial Protection Bureau
Washington, DC 20552
Phone:202 435-9415