---
title: "15 U.S.C. 1681c–3 FCRA: Adverse information in cases of trafficking"
canonical: "https://dposchool.com/fcra/section/1681c-3"
source: "https://uscode.house.gov/us/usc/119-136/t15/s1681c-3/"
source_note: "Source: United States Code, title 15, published by the Office of the Law Revision Counsel of the U.S. House of Representatives (uscode.house.gov), release point 119-136. The editorial and statutory notes are not reproduced."
text_as_of: "2026-10-22"
language: "en"
publisher: "DPO School"
---

15 U.S.C. 1681c–3 FCRA · Chapter 41: CONSUMER CREDIT PROTECTION

# 15 U.S.C. 1681c–3 FCRA: Adverse information in cases of trafficking

United States Code, current through Public Law 119-136 (October 22, 2026). Retrieved 30 October 2026.

## Official text

### 15 U.S.C. 1681c–3(a)

**(a)** Definitions

In this section:

#### 15 U.S.C. 1681c–3(a)(1)

**(1)** Trafficking documentation

The term “trafficking documentation” means⁠—

##### 15 U.S.C. 1681c–3(a)(1)(A)

**(A)** documentation of⁠—

###### 15 U.S.C. 1681c–3(a)(1)(A)(i)

**(i)** a determination that a consumer is a victim of trafficking made by a Federal, State, or Tribal governmental entity; or

###### 15 U.S.C. 1681c–3(a)(1)(A)(ii)

**(ii)** by a court of competent jurisdiction; and

##### 15 U.S.C. 1681c–3(a)(1)(B)

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

#### 15 U.S.C. 1681c–3(a)(2)

**(2)** Trafficking Victims Protection Act of 2000 definitions

The terms “severe forms of trafficking in persons” and “sex trafficking” have the meanings given, respectively, in section 103 of the Trafficking Victims Protection Act of 2000 (22 U.S.C. 7102).

#### 15 U.S.C. 1681c–3(a)(3)

**(3)** Victim of trafficking

The term “victim of trafficking” means a person who is a victim of a severe form of trafficking in persons or sex trafficking.

### 15 U.S.C. 1681c–3(b)

**(b)** Adverse information

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.

### 15 U.S.C. 1681c–3(c)

**(c)** Rulemaking

#### 15 U.S.C. 1681c–3(c)(1)

**(1)** In general

Not later than 180 days after December 27, 2021, the Director shall issue rules to implement subsection (a).

#### 15 U.S.C. 1681c–3(c)(2)

**(2)** Contents

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

## Source

Source: United States Code, title 15, published by the Office of the Law Revision Counsel of the U.S. House of Representatives (uscode.house.gov), release point 119-136. The editorial and statutory notes are not reproduced.

Source credit: ( Pub. L. 90-321, title VI, § 605C , as added Pub. L. 117-81, div. F, title LXI, § 6102(a) , Dec. 27, 2021 , 135 Stat. 2383 .)

[15 U.S.C. 1681c–3 on the Office of the Law Revision Counsel](https://uscode.house.gov/us/usc/119-136/t15/s1681c-3/)

United States Code, current through Public Law 119-136 (October 22, 2026). Retrieved 30 October 2026.

This is reference material, not legal advice.

## Navigation

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Previous: [15 U.S.C. 1681c–2 FCRA: Block of information resulting from identity theft](https://dposchool.com/fcra/section/1681c-2)

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