15 U.S.C. § 1681c–3 — Adverse information in cases of trafficking

(a) Definitions. (1) “Trafficking documentation” means documentation of (A) a Federal, State^*, or Tribal governmental entity’s determination, or a court’s determination, that the consumer^* is a trafficking victim, and (B) documentation identifying adverse-information items that should not be furnished because they resulted from severe forms of trafficking in persons or sex trafficking of which the consumer is a victim. (2) “Severe forms of trafficking in persons” and “sex trafficking” have the meanings given in § 103 of the Trafficking Victims Protection Act of 2000 (22 U.S.C. § 7102). This section does not define those quoted terms. (3) A “victim of trafficking” is a person^* who is a victim of a severe form of trafficking in persons or sex trafficking.
(b) Adverse information. An agency may not provide a report containing an adverse item that resulted from such trafficking if the consumer gave the agency trafficking documentation.
(c) Rules. (1) Within 180 days after December 27, 2021, the Director must issue rules implementing subsection (a). (2) The rules must establish how consumers submit trafficking documentation to agencies.