,i  #aag? ,,congress  #a/ ,session  ,h4 
,r4 #bccb  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,april #a1 #bjba ,mr4 
,mc,henry 7= himself1 ,mrs4 ,wagn]1 ,mr4
 ,gonzalez ( ,ohio1 ,mr4 ,taylor1 & ,mr4
 ,hill7 introduc$ ! foll[+ bill2 :i* 0  
ref]r$ to ! ,committee on ,f9ancial     
,s]vices  ,a ,,bill  ,to prohibit       
consum] report+ ag5cies f furni%+ a     
consum] report conta9+ any adv]se item (
 in=mation ab\t a consum] if su* consum]
 is a victim ( traffick+1 & = o!r       
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,debt ,bondage ,repair     
,act4  #b4 ,adv]se in=mation 9 cases (  
traffick+  7a7 ,9 g5]al ,! ,fair ,cr$it 
,report+ ,act 7#ae ,u4,s4,c4 #afha et   
seq47 is am5d$ by ins]t+ aft] section   
#fje;,b ! foll[+3  #fje;,c ,adv]se      
in=mation 9 cases ( traffick+  7a7 ,9   
g5]al ,a consum] report+ ag5cy may n    
furni% a consum] report conta9+ any     
adv]se item ( in=mation ab\t a consum] t
 result$ f a sev]e =m ( traffick+ 9     
p]sons or sex traffick+ if a c\rt (     

compet5t jurisdiction1 9 a lawsuit t is 
n a class action lawsuit1 has det]m9$ t 
! consum] is a victim ( traffick+4  7b7 
,rulemak+  7#a7 ,9 g5]al ,! ,director   
%all1 n lat] ?an #ahj days aft] ! date (
 ! enactm5t ( ?is section1 issue a rule 
to implem5t subsection 7a74  7#b7       
,cont5ts ,! rule issu$ pursuant to      
p>agraph 7#a7 %all e/abli% a me?od by   
:i* consum]s may submit docum5tation to 
consum] report+ ag5cies1 includ+-- 7,a7 
docum5tation ( a det]m9ation by a c\rt (
 compet5t jurisdiction t su* consum] is 
a victim ( traffick+2 &  7,b7           
docum5tation t id5tifies items ( adv]se 
in=mation t %\ld n be furni%$ by !      
consum] report+ ag5cy because ! items   
result$ f ! sev]e =m ( traffick+ 9      
p]sons or sex traffick+ ( :i* ! consum] 
is a victim4  7c7 ,victim ( traffick+   
def9$ ,= ! purposes ( ?is section1 ! t]m
 8victim ( traffick+0 means a p]son :o--
  7#a7 is a victim ( a sev]e =m (       
traffick+ 9 p]sons or sex traffick+1 z  
su* t]ms are def9$ 9 section #ajc ( !   

,traffick+ ,victims ,protection ,act (  
#bjjj2 &  7#b7 has be5 li/$ z a victim 9
 a crim9al case aga9/ a p]son :o has be5
 f\nd guilty ( a sev]e =m ( traffick+ 9 
p]sons or sex traffick+4  4  7b7 ,table 
( cont5ts am5dm5t ,! table ( cont5ts ( !
 ,fair ,cr$it ,report+ ,act is am5d$ by 
ins]t+ aft] ! item relat+ to section    
#fje;,b ! foll[+ new item3  #fje;,c4    
,adv]se in=mation 9 cases ( traffick+4  
4  7c7 ,effective date ,! am5dm5ts made 
by ?is section %all apply on ! soon] (--
  7#a7 ! date t is #cj days aft] ! date 
on :i* ! ,director ( ! ,bureau (        
,consum] ,f9ancial ,protection issues a 
rule pursuant to section #fje;,c7b7 ( ! 
,fair ,cr$it ,report+ ,act2 or  7#b7 !  
date t is #b ye>s aft] ! date ( !       
enactm5t ( section #fje;,c ( ! ,fair    
,cr$it ,report+ ,act4