FCRA and Regulation V Human Trafficking…Your Rights


The Consumer Financial Protection Bureau (Bureau) is amending Regulation V, which implements the Fair Credit Reporting Act (FCRA), to address recent legislation that assists consumers who are victims of trafficking. This final rule establishes a method for a victim of trafficking to submit documentation to consumer reporting agencies, including information identifying any adverse item of information about the consumer that resulted from certain types of human trafficking, and prohibits the consumer reporting agencies from furnishing a consumer report containing the adverse item(s) of information. The Bureau is taking this action as mandated by the National Defense Authorization Act for Fiscal Year 2022 to assist consumers who are victims of trafficking in building or rebuilding financial stability and personal independence.

What should I do?

If you believe your background report may contain adverse information regarding being a victim of Human Trafficking, please contact our office at :



Our Client Support Team will assist you with your questions and walk you through the process of filing a dispute to have the adverse information reinvestigated and removed from your report.

FirstPoint is here to assist you with making sure you understand your rights and that no adverse information is reported as a result of human trafficking.

FCRA and Regulation V Human Trafficking…Your Rights