CFPB Seeks Input on Shielding Trafficking Victims from Bad Credit
Published Date: 12/9/2025
Notice
Summary
The Consumer Financial Protection Bureau wants to keep collecting info that stops bad credit reports for human trafficking victims. This affects businesses that handle consumer credit info and helps protect people from unfair credit damage. Comments on this plan are open until February 9, 2026, so speak up if you have thoughts!
Analyzed Economic Effects
3 provisions identified: 2 benefits, 1 costs, 0 mixed.
Stops trafficking-related credit reporting
Regulation V establishes a way for victims of human trafficking to submit documentation identifying adverse items that resulted from certain types of trafficking, and it prohibits consumer reporting agencies from furnishing a consumer report that contains those adverse items.
Businesses face paperwork burden
The CFPB is seeking reinstatement of an information collection (OMB Control Number 3170-0002) that affects private-sector businesses handling consumer credit information. The agency estimates 779,023 respondents and a total annual burden of 6,286,665 hours; comments are due by February 9, 2026.
Required consumer credit disclosures
The disclosures in Regulation V inform consumers when a financial institution furnished negative information to a consumer reporting agency, their right to opt out of marketing offers, rights about identity-theft reports and credit files, and that they can request a free credit report and report identity theft to the CFPB.
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