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CFPB RIN: 3170-AB12 Publication ID: Fall 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. The Bureau published a final rule on June 24, 2022.

 
Agency: Consumer Financial Protection Bureau(CFPB)  Priority: Other Significant 
RIN Status: Previously published in the Unified Agenda Agenda Stage of Rulemaking: Completed Actions 
Major: No  Unfunded Mandates: No 
CFR Citation: 12 CFR 1022   
Legal Authority: 15 U.S.C. 1681, et seq.   
Legal Deadline:
Action Source Description Date
Final  Statutory    06/24/2022 
Timetable:
Action Date FR Cite
NPRM  04/08/2022  87 FR 20771   
NPRM Comment Period End  05/09/2022 
Final Rule  06/24/2022  87 FR 37700   
Regulatory Flexibility Analysis Required: No  Government Levels Affected: Federal, Local, State, Tribal 
Small Entities Affected: Businesses, Governmental Jurisdictions  Federalism: No 
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