CFPB Renews Shield for Trafficking Victims' Credit Reports from Harm
Published Date: 3/30/2026
Notice
Summary
The Consumer Financial Protection Bureau is asking for public comments on renewing a rule that stops bad info about human trafficking victims from showing up on their credit reports. This affects businesses that report credit info and helps protect nearly 780,000 people. Comments are due by April 29, 2026, and the process involves a big time commitment from businesses but no new fees.
Analyzed Economic Effects
3 provisions identified: 2 benefits, 1 costs, 0 mixed.
Large paperwork burden for reporters
If you are a private-sector business that furnishes consumer credit information, the CFPB is seeking reinstatement of an information collection (OMB Control Number 3170-0002) that lists an Estimated Number of Respondents of 779,023 and an Estimated Total Annual Burden of 6,286,665 hours. The notice requests public comments (deadline April 29, 2026) on the burden estimate and ways to reduce it.
Credit-report removal process for trafficking victims
The rule establishes a method for a victim of human trafficking to submit documentation to consumer reporting agencies identifying any adverse item that resulted from certain types of human trafficking, and it prohibits consumer reporting agencies from furnishing a consumer report containing those adverse item(s).
Required consumer credit disclosures retained
Regulation V disclosures will continue to alert consumers that a financial institution furnished negative information to a consumer reporting agency, that consumers can opt out of marketing and certain offers, that they have rights related to identity theft and to know what is in their file, that they can request a free credit report, and that they can report identity theft to the CFPB.
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