,,ii  #aag? ,,congress  #a/ ,session    
,s4 #bjdj  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,june #ad1 #bjba,mr4   
,cornyn introduc$ ! foll[+ bill2 :i* 0  
read twice & ref]r$ to ! ,committee on  
,bank+1 ,h\s+1 & ,urban ,affairs  ,a    
,,bill  ,to prohibit consum] report+    
ag5cies f furni%+ a consum] report      
conta9+ any adv]se item ( in=mation ab\t
 a consum] if ! 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;,c4 ,adv]se in=mation 9 cases (    
traffick+  7a7 ,def9itions ,9 ?is       
section3 7#a7 ,traffick+ docum5tation ,!
 t]m traffick+ docum5tation means-- 7,a7
 docum5tation (-- 7i7 a det]m9ation by a
 ,f$]al or ,/ate gov]nm5tal entity t a  
consum] is a victim ( traffick+2 or     
7ii7 a det]m9ation by a c\rt ( compet5t 

jurisdiction t a consum] is a victim (  
traffick+2 &  7,b7 docum5tation t       
id5tifies items ( adv]se in=mation t    
%\ld n be furni%$ by a consum] report+  
ag5cy because ! items result$ f ! sev]e 
=m ( traffick+ 9 p]sons or sex traffick+
 ( :i* ! consum] is a victim4  7#b7     
,victim ( traffick+ ,! t]m victim (     
traffick+ means a p]son :o is a victim (
 a sev]e =m ( traffick+ 9 p]sons or sex 
traffick+1 z ^? t]ms are def9$ 9 section
 #ajc ( ! ,traffick+ ,victims           
,protection ,act ( #bjjj 7#bb ,u4,s4,c4 
#gajb74  7b7 ,adv]se in=mation ,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 ! consum] has provid$      
traffick+ docum5tation to ! consum]     
report+ ag5cy4  7c7 ,rulemak+  7#a7 ,9  
g5]al ,n lat] ?an #ahj days aft] ! date 
( ! enactm5t ( ?is section1 ! ,director 
%all promulgate regulations to implem5t 
subsection 7a74  7#b7 ,cont5ts ,!       

regulations issu$ pursuant to p>agraph  
7#a7 %all e/abli% a me?od by :i*        
consum]s %all submit traffick+          
docum5tation to consum] report+ ag5cies4
  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[+3
  #fje;,c4 ,adv]se in=mation 9 cases (  
traffick+4  4  7c7 ,applicability ,!    
am5dm5ts made by ?is section %all apply 
to any traffick+ docum5tation1 z def9$ 9
 section #fje;,c7a7 ( ! ,fair ,cr$it    
,report+ ,act1 z add$ by subsection 7a7 
( ?is section1 provid$ on or aft] ! date
 t is #cj days aft] ! date on :i* !     
,director ( ! ,bureau ( ,consum]        
,f9ancial ,protection promulgates       
regulations pursuant to subsection 7c7 (
 section #fje;,c4