Program Instruction: Prohibition on Inclusion of Adverse Information on Consumer Reporting in Cases of Human Trafficking

In June 2022, the Consumer Financial Protection Bureau issued a Final Rule entitled Prohibition on Inclusion of Adverse Information in Consumer Reporting in Cases of Human Trafficking (“the Rule”). The Rule prohibits consumer reporting agencies from reporting adverse credit information resulting from an individual’s human trafficking experience. Federal agencies may authorize non-governmental organizations to provide the documentation that a survivor needs to apply for their adverse information to be blocked (“trafficking documentation”). This Program Instruction (PI) authorizes recipients of grants from the Office on Trafficking in Persons to issue trafficking documentation. This PI also provides information about the Rule and guidance on its implementation.

This Program Instruction was updated on January 17, 2025.