; or (2) the consumer has submitted a valid defense to repayment claim with respect to such loan, as determined by the Secretary of Education. . (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 605D (as added by section 104) the following new item: 605E. Private education loan credit restoration for defrauded student borrowers who attend certain proprietary educational institution or career education programs. . 106. Establishes right for victims of financial abuse to have adverse information removed from their consumer reports (a) In general The Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), as amended by section 105, is further amended by inserting after section 605E the following: 605F. Adverse information in cases of financial abuse (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 financial abuse if the consumer has provided documentation of financial abuse to the consumer reporting agency. (b) Rulemaking (1) In general Not later than 180 days after the date of the enactment of this section, the Director shall issue rules to implement this section. (2) Contents Any rule issued pursuant to paragraph (1) shall establish a method by which consumers shall submit documentation of financial abuse to consumer reporting agencies. (c) Definitions In this section: (1) Documentation of financial abuse The term documentation of financial abuse means— (A) documentation of— (i) a determination by a Federal or State government entity that a consumer is a victim of domestic violence, dating violence, abuse in later life, or child abuse and neglect; (ii) a determination by a court of competent jurisdiction that a consumer is a victim of domestic violence, dating violence, abuse in later life, or child abuse and neglect