Repairing Lives, Restoring Credit: How PBI Helped Launch a National Virtual Credit Repair Clinic for Trafficking Survivors
November 24, 2025
When Pro Bono Institute (PBI) convened the PBI 2025 Annual Conference in February 2025, one session on innovative pro bono models for serving trafficking survivors sparked a collaboration that resulted in a pilot series of clinics this fall. Panelists shared how the National Survivor Law Collective (NSL Collective) had begun offering virtual clinics to help survivors with credit repair under the Debt Bondage Repair Act (DBRA), which went into effect in July 2022, and the related Consumer Financial Protection Bureau’s Regulation V. The DBRA is an amendment to the Fair Credit Reporting Act that empowers survivors of human trafficking to