,i  #aad? ,,congress  #a/ ,session  ,h4 
,r4 #bjgf  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,april #bh1 #bjae ,mr4
 ,p]lmutt] 7= himself1 ,mr4 ,heck (     
,wa%+ton1 ,mr4 ,polis1 ,mr4 ,jeffries1  
,mr4 ,blum5au]1 ,mr4 ,rangel1 ,ms4      
,de,gette1 ,ms4 ,norton1 ,mr4           
,mc,govern1 ,ms4 ,titus1 ,mr4 ,pet]s1   
,ms4 ,del,bene1 ,ms4 ,br[nley (         
,cali=nia1 ,ms4 ,l(gr51 ,mr4 ,c(fman1   
,ms4 ,p+ree1 ,mr4 ,%]man1 & ,ms4 ,s9ema7
 introduc$ ! foll[+ bill2 :i* 0 ref]r$  
to ! ,committee on ,f9ancial ,s]vices1 &
 9 addition to ! ,committee on !        
,judici>y1 = a p]iod to be subsequ5tly  
det]m9$ by ! ,speak]1 9 ea* case =      
consid]ation ( su* provisions z fall )9 
! jurisdiction ( ! committee conc]n$  ,a
 ,,bill  ,to create protections =       
depository in/itutions t provide        
f9ancial s]vices to m>ijuana-relat$     
bus9esses1 & = o!r purposes4  #a4 ,%ort 
title ,?is ,act may be cit$ z !         
,m>ijuana ,bus9esses ,access to ,bank+  
,act ( #bjae4  #b4 ,safe h>bor =        

depository in/itutions ,a ,f$]al bank+  
regulator may n--  7#a7 t]m9ate or limit
 ! deposit insurance or %>e insurance ( 
a depository in/itution "u ! ,f$]al     
,deposit ,insurance ,act 7#ab ,u4,s4,c4 
#ahaa et seq47 or ! ,f$]al ,cr$it ,union
 ,act 7#ab ,u4,s4,c4 #agea et seq47     
solely because ! depository in/itution  
provides or has provid$ f9ancial s]vices
 to a m>ijuana-relat$ legitimate        
bus9ess2  7#b7 prohibit1 p5alize1 or    
o!rwise disc\rage a depository          
in/itution f provid+ f9ancial s]vices to
 a m>ijuana-relat$ legitimate bus9ess2  
7#c7 recomm5d1 inc5tivize1 or enc\rage a
 depository in/itution n to (f] f9ancial
 s]vices to an individual1 or to        
d[ngrade or cancel ! f9ancial s]vices   
(f]$ to an individual solely because--  
7,a7 ! individual is a manufactur] or   
produc]1 or is ! own] or op]ator ( a    
m>ijuana-relat$ legitimate bus9ess2     
7,b7 ! individual lat] becomes an own]  
or op]ator ( a m>ijuana-relat$          
legitimate bus9ess2 or  7,c7 !          

depository in/itution 0 n aw>e t !      
individual is ! own] or op]ator ( a     
m>ijuana-relat$ legitimate bus9ess2 &   
7#d7 take any adv]se or corrective      
sup]visory action on a loan made to an  
own] or op]ator (-- 7,a7 a              
m>ijuana-relat$ legitimate bus9ess1     
solely because ! own] or op]ator owns or
 op]ates a m>ijuana-relat$ legitimate   
bus9ess2 or  7,b7 real e/ate or equipm5t
 t is leas$ to a m>ijuana-relat$        
legitimate bus9ess1 solely because !    
own] or op]ator ( ! real e/ate or       
equipm5t leas$ ! equipm5t or real e/ate 
to a m>ijuana-relat$ legitimate bus9ess4
  #c4 ,protections "u ,f$]al law  7a7 ,9
 g5]al ,9 a ,/ate or political          
subdivision ( a ,/ate t all[s !         
cultivation1 production1 manufacture1   
sale1 transportation1 display1 disp5s+1 
di/ribution1 or pur*ase ( m>ijuana      
pursuant to a law or regulation ( su*   
,/ate or political subdivision1 a       
depository in/itution t provides        
f9ancial s]vices to a m>ijuana-relat$   

legitimate bus9ess1 & ! (fic]s1         
directors1 & employees ( t depository   
in/itution may n be held liable pursuant
 to any ,f$]al law or regulation--  7#a7
 solely = provid+ su* f9ancial s]vices  
pursuant to ! law or regulation ( su*   
,/ate or political subdivision2 or  7#b7
 = fur!r inve/+ any income d]iv$ f su*  
f9ancial s]vices4  7b7 ,=feiture ,a     
depository in/itution t has a legal     
int]e/ 9 ! collat]al = a loan made to an
 own] or op]ator ( a m>ijuana-relat$    
legitimate bus9ess1 or to an own] or    
op]ator ( real e/ate or equipm5t t is   
leas$ to a m>ijuana-relat$ legitimate   
bus9ess1 %all n be subject to crim9al1  
civil1 or adm9i/rative =feiture ( t     
legal int]e/ pursuant to any ,f$]al law 
= provid+ su* loan4  #d4 ,rule (        
con/ruction ,no?+ 9 ?is ,act %all       
require a depository in/itution to      
provide f9ancial s]vices to a           
m>ijuana-relat$ legitimate bus9ess4  #e4
 ,requirem5ts = fil+ suspici\s activity 
reports ,section #ecah7;g7 ( title #ca1 

,unit$ ,/ates ,code1 is am5d$ by add+ at
 ! end ! foll[+3  7#e7 ,requirem5ts =   
m>ijuana-relat$ bus9esses  7,a7 ,9 g5]al
 ,if a f9ancial in/itution or any       
director1 (fic]1 employee1 or ag5t ( a  
f9ancial in/itution reports a suspici\s 
transaction pursuant to ?is subsection1 
& ! reason = ! report relates to a      
m>ijuana-relat$ bus9ess1 ! ,secret>y    
%all require t su* report complies ) !  
requirem5ts ( ! guidance issu$ by !     
,f9ancial ,crimes ,en=cem5t ,network    
titl$ ,,bsa ,expectations ,reg>d+       
,m>ijuana-,relat$ ,bus9esses            
7,,f9-#bjad-;,g#jja2 publi%$ on ,febru>y
 #ad1 #bjad74 ,! ,secret>y may issue    
additional regulations or guidance z    
necess>y to ensure t reports ( suspici\s
 transactions d n inhibit ! provision ( 
f9ancial s]vices to m>ijuana-relat$     
legitimate bus9esses 9 a ,/ate or       
political subdivision ( a ,/ate t has   
all[$ ! cultivation1 production1        
manufacture1 sale1 transportation1      
display1 disp5s+1 di/ribution1 or       

pur*ase ( m>ijuana pursuant to law or   
regulation ( su* ,/ate or political     
subdivision4  7,b7 ,def9ition ,9 ?is    
p>agraph1 ! t]m m>ijuana-relat$         
legitimate bus9ess has ! mean+ giv5 su* 
t]m 9 ! ,m>ijuana ,bus9esses ,access to 
,bank+ ,act ( #bjae4  4  #f4 ,def9itions
 ,9 ?is ,act3  7#a7 ,depository         
in/itution ,! t]m depository in/itution 
means-- 7,a7 a depository in/itution z  
def9$ 9 section #c7;c7 ( ! ,f$]al       
,deposit ,insurance ,act 7#ab ,u4,s4,c4 
#ahac7;c772  7,b7 a ,f$]al cr$it union z
 def9$ 9 section #aja ( ! ,f$]al ,cr$it 
,union ,act 7#ab ,u4,s4,c4 #ageb72 or   
7,c7 a ,/ate cr$it union z def9$ 9      
section #aja ( ! ,f$]al ,cr$it ,union   
,act 7#ab ,u4,s4,c4 #ageb74  7#b7 ,f$]al
 bank+ regulator ,! t]m ,f$]al bank+    
regulator means ea* ( ! ,bo>d (         
,gov]nors ( ! ,f$]al ,res]ve ,sy/em1 !  
,bureau ( ,consum] ,f9ancial            
,protection1 ! ,f$]al ,deposit          
,insurance ,corporation1 ! ,(fice ( !   
,comptroll] ( ! ,curr5cy1 ! ,national   

,cr$it ,union ,adm9i/ration1 or any     
,f$]al ag5cy or dep>tm5t t regulates    
bank+ or f9ancial s]vices1 z det]m9$ by 
! ,secret>y ( ! ,treasury4  7#c7        
,f9ancial s]vice ,! t]m f9ancial s]vice 
means a f9ancial product or s]vice z    
def9$ 9 section #ajjb ( ! ,dodd-,frank  
,wall ,/reet ,re=m & ,consum]           
,protection ,act 7#ab ,u4,s4,c4 #edha74 
7#d7 ,manufactur] ,! t]m manufactur]    
means a p]son :o manufactures1 comp\nds1
 conv]ts1 processes1 prep>es1 or        
packages m>ijuana or m>ijuana products4 
7#e7 ,m>ijuana-relat$ legitimate bus9ess
 ,! t]m m>ijuana-relat$ legitimate      
bus9ess means a manufactur]1 produc]1 or
 any p]son t-- 7,a7 p>ticipates 9 any   
bus9ess or organiz$ activity t involves 
h&l+ m>ijuana or m>ijuana products1     
includ+ cultivat+1 produc+1 manufactur+1
 sell+1 transport+1 display+1 disp5s+1  
di/ribut+1 or pur*as+ m>ijuana or       
m>ijuana products2 &  7,b7 engages 9 su*
 activity pursuant to a law or          
regulation ( by a ,/ate or a political  

subdivision ( a ,/ate4  7#f7 ,m>ijuana  
,! t]m m>ijuana has ! mean+ giv5 ! t]m  
m>ihuana 9 section #ajb ( ! ,controll$  
,sub/ances ,act 7#ba ,u4,s4,c4 #hjb74   
7#g7 ,m>ijuana product ,! t]m m>ijuana  
product means any article :i* conta9s   
m>ijuana1 includ+ an article :i* is a   
conc5trate1 an edible1 a t9cture1 a     
m>ijuana-infus$ product1 or a topical4  
7#h7 ,produc] ,! t]m produc] means a    
p]son :o plants1 cultivates1 h>ve/s1 or 
9 any way facilitates ! natural gr[? (  
m>ijuana4  7#i7 ,/ate ,! t]m ,/ate means
 ea* ( ! sev]al ,/ates1 ! ,di/rict (    
,columbia1 ,pu]to ,rico1 & any t]ritory 
or possession ( ! ,unit$ ,/ates4