H.R. 2332House117th Congress (2021-2023)In Committee

Debt Bondage Repair Act

Introduced April 1, 2021

AI-Generated Summary

Updated February 8, 2026 at 1:18 AM UTC

The Debt Bondage Repair Act amends the Fair Credit Reporting Act to protect victims of severe trafficking from having negative credit information reported about them. It stops consumer reporting agencies from including adverse items that stem from trafficking if the victim supplies official documentation. The rule applies to any consumer identified as a trafficking victim and affects credit bureaus and the individuals whose credit reports are generated.

Key Provisions

  • Prohibits consumer reporting agencies from furnishing any adverse credit information about a consumer who is a victim of severe or sex trafficking, provided the consumer submits appropriate trafficking documentation.
  • Requires the Director of the Consumer Financial Protection Bureau to issue implementing regulations within 180 days of enactment, outlining how victims can submit documentation.
  • Defines "trafficking documentation" as official determinations from federal, state, or court authorities that a person is a trafficking victim and identifies the adverse items to be excluded.
  • Adds a new Section 605C to the Fair Credit Reporting Act, inserting these protections into the law’s table of contents.
  • Sets the effective date as 30 days after the CFPB director issues the required rule.

Legislative Activity

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9 earlier actions
SenateIntro Referral Latest Action

Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

June 16, 2021

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HouseIntro Referral

Introduced in House

April 1, 2021

HouseIntro Referral

Referred to the House Committee on Financial Services.

April 1, 2021

HouseFloor

Ms. Waters moved to suspend the rules and pass the bill, as amended.

June 15, 2021 • 3:25 PM

HouseFloor

Considered under suspension of the rules. (consideration: CR H2785-2787; text: CR H2785)

June 15, 2021 • 3:26 PM

HouseFloor

DEBATE - The House proceeded with forty minutes of debate on H.R. 2332.

June 15, 2021 • 3:26 PM

HouseFloor

At the conclusion of debate, the Yeas and Nays were demanded and ordered. Pursuant to the provisions of clause 8, rule XX, the Chair announced that further proceedings on the motion would be postponed.

June 15, 2021 • 3:38 PM

HouseFloor

Pursuant to the provisions of H. Res. 473, proceedings on H.R. 2332 are considered vacated.

June 15, 2021 • 5:25 PM

HouseFloor

Passed/agreed to in House: Pursuant to section 8 of H. Res. 473, and the motion offered by Mr. McGovern, the following bills passed under suspension of the rules: H.R. 293; H.R. 587; H.R. 610, as amended; H.R. 1144, as amended; H.R. 1703, as amended; H.R. 1921; H.R. 2008; H.R. 2332, as amended; H.R. 2545; and H.R. 3642, as amended.(consideration: CR H2792-2799; text: CR H2797)

June 15, 2021 • 5:25 PM

HouseFloor

Pursuant to section 8 of H. Res. 473, and the motion offered by Mr. McGovern, the following bills passed under suspension of the rules: H.R. 293; H.R. 587; H.R. 610, as amended; H.R. 1144, as amended; H.R. 1703, as amended; H.R. 1921; H.R. 2008; H.R. 2332, as amended; H.R. 2545; and H.R. 3642, as amended. (consideration: CR H2792-2799; text: CR H2797)

June 15, 2021 • 5:25 PM

SenateIntro Referral

Received in the Senate and Read twice and referred to the Committee on Banking, Housing, and Urban Affairs.

June 16, 2021

Floor Debate

23 members

What members said about H.R. 2332 on the floor

13 Republicans10 Democrats
Adam Smith
Rep. Adam SmithD-WA-9 · Dec 7, 2021

Madam Speaker, pursuant to House Resolution 838, I call up the bill (S. 1605) to designate the National Pulse Memorial located at 1912 South Orange Avenue in Orlando, Florida, and for other purposes,…

Patrick T. McHenry
Rep. Patrick T. McHenryR-NC-10 · Jun 15, 2021

Madam Speaker, I rise in support of H.R. 2332, and I yield myself such time as I may consume. Madam Speaker, debt bondage is a terrible crime, and many victims find themselves trapped in a perpetual…

Mike Rogers
Rep. Mike RogersR-AL-3 · Dec 7, 2021

Madam Speaker, I yield myself such time as I may consume. I rise in strong support of the Fiscal Year 2022 National Defense Authorization Act. And I want to start off by saying Chairman Smith has…

Maxine Waters
Rep. Maxine WatersD-CA-43 · Jun 15, 2021

Madam Speaker, I move to suspend the rules and pass the bill (H.R. 2332) to prohibit consumer reporting agencies from furnishing a consumer report containing any adverse item of information about a…

Ruben Gallego
Rep. Ruben GallegoD-AZ-7 · Dec 7, 2021

Madam Speaker, I rise today in support of S. 1605, the National Defense Authorization Act for Fiscal Year 2022. I am proud that we in the House and Senate have completed our work on this defense bill…

Show 8 more
Joe Courtney
Rep. Joe CourtneyD-CT-2 · Dec 7, 2021

Madam Speaker, I rise in strong support of the 2022 National Defense Authorization Act, which is before us this evening. As chair of the Seapower and Projection Forces Subcommittee, this bill is…

Jackie Speier
Rep. Jackie SpeierD-CA-14 · Dec 7, 2021

Madam Speaker, I thank our outstanding chairman. Madam Speaker, this helmet has been on my shelf in my office for 9 years. It has the signatures of 58 military servicemembers who have been sexually…

Gregory W. Meeks
Rep. Gregory W. MeeksD-NY-5 · Dec 7, 2021

Madam Speaker, I want to thank the distinguished chair of the House Armed Services Committee for all of his hard work in putting together, as he was just closing, what I think is a bill that is one…

Robert J. Wittman
Rep. Robert J. WittmanR-VA-1 · Dec 7, 2021

Madam Speaker, I thank Mr. Rogers for yielding. Madam Speaker, our national security is in jeopardy. Russia literally has over 100,000 troops sitting on Ukraine's doorstep. Iran continues to threaten…

James R. Langevin
Rep. James R. LangevinD-RI-2 · Dec 7, 2021

Madam Speaker, I thank the gentleman for yielding. Madam Speaker, I rise today in strong support of the National Defense Authorization Act. I begin by congratulating and thanking Chairman Smith and…

John Garamendi
Rep. John GaramendiD-CA-3 · Dec 7, 2021

Madam Speaker, the FY22 National Defense Authorization Act is a bipartisan project of enormous work both by members and staff. As always, I start by thanking Chairman Smith and Ranking Member Rogers…

Michael R. Turner
Rep. Michael R. TurnerR-OH-10 · Dec 7, 2021

Madam Speaker, I thank the ranking member for yielding. Madam Speaker, I rise in support of the Fiscal Year 2022 National Defense Authorization Act. I thank Chairman Smith, Ranking Member Rogers,…

Patrick T. McHenry
Rep. Patrick T. McHenryR-NC-10 · Dec 7, 2021

Madam Speaker, I rise in support of S. 1605, the National Defense Authorization Act (NDAA) for fiscal year 2022. Debt Bondage is a terrible crime, and many victims find themselves trapped in a…

Show 11 more
Doug Lamborn
Rep. Doug LambornR-CO-5 · Dec 7, 2021

Madam Speaker, I rise in support of S. 1605, the Fiscal Year 2022 National Defense Authorization Act. I commend our chairman and ranking member for negotiating a strong bipartisan bill, which…

Mike Gallagher
Rep. Mike GallagherR-WI-8 · Dec 7, 2021

Madam Speaker, I stand before you today in strong support of the National Defense Authorization Act for Fiscal Year 2022. This year's NDAA includes a top-line budget that restores funding for…

Eric A. "Rick" Crawford
Rep. Eric A. "Rick" CrawfordR-AR-1 · Dec 7, 2021

Madam Speaker, I thank the gentleman from Alabama for his leadership. Madam Speaker, I rise today in support of the 2022 NDAA. This process began months ago. A bill was introduced, Members offered…

Mike Garcia
Rep. Mike GarciaR-CA-25 · Dec 7, 2021

Madam Speaker, I want to commend both sides of the aisle for a rather strong National Defense Authorization Act and commend the gentleman from Alabama (Mr. Rogers) for his revisions. Madam Speaker,…

Ronny Jackson
Rep. Ronny JacksonR-TX-13 · Dec 7, 2021

Madam Speaker, I rise in support of a critical piece of legislation that comes before Congress each year, the National Defense Authorization Act. First, I thank Ranking Member Rogers and his staff…

Donald Norcross
Rep. Donald NorcrossD-NJ-1 · Dec 7, 2021

Madam Speaker, I thank Chairman Smith and Ranking Member Rogers for their leadership in bringing this bill to the floor. This is our opportunity to pass the Defense Authorization Act for the 61st…

Kat Cammack
Rep. Kat CammackR-FL-3 · Dec 7, 2021

Madam Speaker, I thank the ranking member of the Armed Services Committee and all of my colleagues for bringing us to this point here today. Madam Speaker, I rise in support of the National Defense…

Pat Fallon
Rep. Pat FallonR-TX-4 · Dec 7, 2021

Madam Speaker, I want to take a minute to thank Ranking Member Rogers for his tremendous leadership. Madam Speaker, I rise today in strong support of the 2022 National Defense Authorization Act. Not…

Cathy McMorris Rodgers
Rep. Cathy McMorris RodgersR-WA-5 · Jun 22, 2021

Madam Speaker, on June 15, 2022, I voted against bills En Bloc. Had H.R. 610, H.R. 293, H.R. 587, H.R. 1144, H.R. 1921, H.R. 2008, H.R. 2332, H.R. 2545, and H.R. 3642 each received a standalone vote,…

James P. McGovern
Rep. James P. McGovernD-MA-2 · Jun 15, 2021

Mr. Speaker, pursuant to section 8 of House Resolution 473, I move to suspend the rules and pass H.R. 293, H.R. 587, H.R. 610, H.R. 1144, H.R. 1703, H.R. 1921, H.R. 2008, H.R. 2332, H.R. 2545, and

Lauren Boebert
Rep. Lauren BoebertR-CO-3 · Jun 15, 2021

Madam Speaker, on that I demand the yeas and nays.

Bill Text

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Referred in SenateIssued June 16, 2021

IIB

117th CONGRESS

1st Session

H. R. 2332

IN THE SENATE OF THE UNITED STATES

June 16, 2021

Received; read twice and referred to the Committee on Banking, Housing, and Urban Affairs

AN ACT

To prohibit consumer reporting agencies from furnishing a consumer report containing any adverse item of information about a consumer if such consumer is a victim of trafficking, and for other purposes.

1.

Short title

This Act may be cited as the Debt Bondage Repair Act.

2.

Adverse information in cases of trafficking

(a)

In general

The Fair Credit Reporting Act (15 U.S.C. 1681 et seq.) is amended by inserting after section 605B the following:

605C

Adverse information in cases of trafficking

(a)

In general

A consumer reporting agency may not furnish a consumer report containing any adverse item of information about a consumer that resulted from a severe form of trafficking in persons or sex trafficking if the consumer has provided trafficking documentation to the consumer reporting agency.

(b)

Rulemaking

(1)

In general

The Director shall, not later than 180 days after the date of the enactment of this section, issue a rule to implement subsection (a).

(2)

Contents

The rule issued pursuant to paragraph (1) shall establish a method by which consumers shall submit trafficking documentation to consumer reporting agencies.

(c)

Definitions

(1)

Trafficking documentation

The term trafficking documentation means—

(A)

documentation of either—

(i)

a determination by a Federal or State government entity that a consumer is a victim of trafficking; or

(ii)

a determination by a court of competent jurisdiction that a consumer is a victim of trafficking; and

(B)

documentation that identifies items of adverse information that should not be furnished by a consumer reporting agency because the items resulted from the severe form of trafficking in persons or sex trafficking of which such consumer is a victim.

(2)

Victim of trafficking

For the purposes of this section, the term “victim of trafficking” means a person who is a victim of a severe form of trafficking in persons or sex trafficking, as such terms are defined in section 103 of the Trafficking Victims Protection Act of 2000.

.

(b)

Table of contents amendment

The table of contents of the Fair Credit Reporting Act is amended by inserting after the item relating to section 605B the following new item:

605C. Adverse information in cases of trafficking.

.

(c)

Effective date

The amendments made by this section shall apply on the date that is 30 days after the date on which the Director of the Bureau of Consumer Financial Protection issues a rule pursuant to section 605C(b) of the Fair Credit Reporting Act.

(d)

Determination of budgetary effects

The budgetary effects of this Act, for the purpose of complying with the Statutory Pay-As-You-Go Act of 2010, shall be determined by reference to the latest statement titled Budgetary Effects of PAYGO Legislation for this Act, submitted for printing in the Congressional Record by the Chairman of the House Budget Committee, provided that such statement has been submitted prior to the vote on passage.

Passed the House of Representatives June 15, 2021.

Cheryl L. Johnson,

Clerk.