,9 ! ,s5ate ( ! ,unit$ ,/ates1  ,decemb]
 #aj 7legislative day1 ,decemb] #i71    
#bjaf4  ,am5dm5t3  ,t ! bill f ! ,h\se (
 ,repres5tatives 7,h4,r4 #efjb7 entitl$ 
,an ,act to am5d title #ca1 ,unit$      
,/ates ,code1 to au?orize ! ,secret>y ( 
! ,treasury to include all funds :5     
issu+ c]ta9 geographic t>get+ ord]s1 & =
 o!r purposes41 d pass ) ! foll[+ ,/rike
 all aft] ! enact+ clause & ins]t !     
foll[+3 ,i ,enhanc+ antit]rorism tools (
 ! ,dep>tm5t ( ! ,treasury  #aja4       
,inclusion ( all funds  7a7 ,9 g5]al    
,section #ecbf ( title #ca1 ,unit$      
,/ates ,code1 is am5d$-- 7#a7 9 ! head+ 
( su* section1 by /rik+ co9 & curr5cy2  
7#b7 9 subsection 7a7-- 7,a7 by /rik+   
subtitle & & ins]t+ subtitle or to2 &   
7,b7 9 p>agraph 7#a77;,a71 by /rik+     
,unit$ ,/ates co9s or curr5cy 7or su*   
o!r monet>y in/rum5ts z ! ,secret>y may 
describe 9 su* ord]7 & ins]t+ funds 7z !
 ,secret>y may describe 9 su* ord]712 & 
7#c7 9 subsection 7b7-- 7,a7 9 p>agraph 
7#a77;,a71 by /rik+ co9s or curr5cy 7or 

monet>y in/rum5ts7 & ins]t+ funds2 &    
7,b7 9 p>agraph 7#b71 by /rik+ co9s or  
curr5cy 7or su* o!r monet>y in/rum5ts z 
! ,secret>y may describe 9 ! regulation 
or ord]7 & ins]t+ funds 7z ! ,secret>y  
may describe 9 ! regulation or ord]74   
7b7 ,cl]ical am5dm5t ,! table ( cont5ts 
= *apt] #ec ( title #ca1 ,unit$ ,/ates  
,code1 is am5d$ 9 ! item relat+ to      
section #ecbf by /rik+ co9 & curr5cy4   
#ajb4 ,improv+ antit]ror f9ance monitor+
 ( funds transf]s  7a7 ,/udy  7#a7 ,9   
g5]al ,to improve ! ability ( !         
,dep>tm5t ( ! ,treasury to bett] track  
cross-bord] fund transf]s & id5tify     
pot5tial f9anc+ ( t]rori/ or o!r =ms (  
illicit f9ance1 ! ,secret>y %all c>ry   
out a /udy to assess-- 7,a7 ! pot5tial  
efficacy ( requir+ bank+ regulators to  
e/abli% a pilot program to provide      
te*nical assi/ance to depository        
in/itutions & cr$it unions t wi% to     
provide acc\nt s]vices to money s]vices 
bus9esses s]v+ individuals 9 ,somalia2  
7,b7 :e!r su* a pilot program c\ld be a 

model = improv+ ! ability ( ,unit$      
,/ates p]sons to make legitimate funds  
transf]s ?r\gh transp>5t & easily       
monitor$ *annels :ile pres]v+ /rict     
compliance ) ! ,bank ,secrecy ,act      
7,public ,law #ia-ejh2 #hd ,/at4 #aaad7 
& relat$ controls aim$ at /opp+ money   
laund]+ & ! f9anc+ ( t]rorism2 &  7,c7  
consi/5t ) curr5t legal requirem5ts     
reg>d+ confid5tial sup]visory in=mation1
 ! pot5tial impact ( all[+ money s]vices
 bus9esses to %>e c]ta9 ,/ate exam9ation
 in=mation ) depository in/itutions &   
cr$it unions1 or :e!r ano!r appropriate 
me*anism c\ld be id5tifi$ to all[ a     
simil> ex*ange ( in=mation to give !    
depository in/itutions & cr$it unions a 
bett] und]/&+ ( :e!r an individual money
 s]vices bus9ess is adequately meet+ its
 anti-money laund]+ & c\nt]-t]ror f9anc+
 obligations to combat money laund]+1 ! 
f9anc+ ( t]ror1 or relat$ illicit       
f9ance4  7#b7 ,public input ,! ,secret>y
 %\ld solicit & consid] public input z  
appropriate 9 develop+ ?is /udy4  7b7   

,report ,n lat] ?an #bgj days aft] !    
date ( ! enactm5t ( ?is ,act1 !         
,secret>y %all submit to ! ,committee on
 ,f9ancial ,s]vices & ! ,committee on   
,=eign ,affairs ( ! ,h\se (             
,repres5tatives & ! ,committee on       
,bank+1 ,h\s+1 & ,urban ,affairs & !    
,committee on ,=eign ,relations ( !     
,s5ate a report t conta9s all f9d+s &   
det]m9ations made 9 c>ry+ out ! /udy    
requir$ "u subsection 7a74  #ajc4 ,s5se 
( ,congress on int]national coop]ation  
reg>d+ t]rori/ f9anc+ intellig5ce ,x is 
! s5se ( ! ,congress t ! ,secret>y1 act+
 ?r\gh ! ,"u ,secret>y = ,t]rorism &    
,f9ancial ,crimes1 %\ld int5sify "w )   
=eign p>tn]s to help ! =eign p>tn]s     
develop intellig5ce analytic capacities1
 9 a f9ance m9i/ry or o!r appropriate   
ag5cy1 t are-- 7#a7 comm5surate to !    
?reats fac$ by ! =eign p>tn]2 &  7#b7   
design$ to bett] integrate intellig5ce  
ef=ts ) ! anti-money laund]+ &          
c\nt]-t]rori/ f9anc+ regimes ( ! =eign  
p>tn]4  #ajd4 ,exam9+ ! c\nt]-t]ror     

f9anc+ role ( ! ,dep>tm5t ( ! ,treasury 
9 embassies ,n lat] ?an #ahj days aft] !
 enactm5t ( ?is ,act1 ! ,secret>y %all  
submit to ! ,committee on ,f9ancial     
,s]vices & ! ,committee on ,=eign       
,affairs ( ! ,h\se ( ,repres5tatives & !
 ,committee on ,bank+1 ,h\s+1 & ,urban  
,affairs & ! ,committee on ,=eign       
,relations ( ! ,s5ate a report t        
conta9s-- 7#a7 a li/ ( ! ,unit$ ,/ates  
embassies 9 :i* a full-"t ,dep>tm5t ( ! 
,treasury f9ancial atta* is /ation$ & a 
description ( h[ ! int]e/s ( ! ,dep>tm5t
 ( ! ,treasury relat+ to t]rori/ f9anc+ 
& money laund]+ are address$ 7via       
regional atta*s or o!rwise7 at ,,u      
embassies :]e no su* atta*s are pres5t2 
7#b7 a li/ ( ! ,unit$ ,/ates embassies  
at :i* ! ,dep>tm5t ( ! ,treasury has    
assign$ a te*nical assi/ance advisor f !
 ,(fice ( ,te*nical ,assi/ance ( !      
,dep>tm5t ( ! ,treasury2  7#c7 an       
ov]view ( h[ ,dep>tm5t ( ! ,treasury    
f9ancial atta*s & te*nical assi/ance    
advisors assi/ 9 ef=ts to c\nt] illicit 

f9ance1 to include money laund]+1       
t]rori/ f9anc+1 & prolif]ation f9anc+2 &
  7#d7 an ov]view ( patt]ns1 tr5ds1 or  
o!r issues id5tifi$ by ,dep>tm5t ( !    
,treasury atta*s & :e!r res\rces are    
suffici5t to address ^! issues4  ,,ii   
,national /rategy = combat+ t]rori/ &   
o!r illicit f9anc+  #bja4 ,developm5t ( 
national /rategy  7a7 ,9 g5]al ,!       
,presid5t1 act+ ?r\gh ! ,secret>y %all1 
9 consultation ) ! ,attorney ,g5]al1 !  
,secret>y ( ,/ate1 ! ,secret>y ( ,homel&
 ,security1 ! ,director ( ,national     
,intellig5ce1 & ! appropriate ,f$]al    
bank+ ag5cies1 develop a national       
/rategy = combat+ ! f9anc+ ( t]rorism & 
relat$ =ms ( illicit f9ance4  7b7       
,transmittal to ,congress  7#a7 ,9 g5]al
 ,n lat] ?an ,janu>y #ca1 #bjah1 !      
,presid5t %all submit to ! appropriate  
congressional committees a compreh5sive 
national /rategy develop$ 9 accordance )
 subsection 7a74  7#b7 ,updates ,n lat] 
?an ,janu>y #ca1 #bjbj1 & ,janu>y #ca1  
#bjbb1 ! ,presid5t %all submit to !     

appropriate congressional committees    
updat$ v]sions ( ! national /rategy     
submitt$ "u p>agraph 7#a74  7c7 ,sep>ate
 pres5tation ( classifi$ mat]ial ,any "p
 ( ! national /rategy t involves        
in=mation t is prop]ly classifi$ "u     
crit]ia e/abli%$ by ! ,presid5t %all be 
submitt$ to ! ,congress sep>ately 9 a   
classifi$ annex &1 if reque/$ by !      
*airman or rank+ ,memb] ( "o ( !        
appropriate congressional committees1 z 
a brief+ at an appropriate level (      
security4  #bjb4 ,cont5ts  7a7 ,9 g5]al 
,! /rategy describ$ 9 section #bja %all 
conta9 ! foll[+3 7#a7 ,evaluation (     
exi/+ ef=ts ,an assessm5t ( !           
effectiv5ess ( & ways 9 :i* ! ,unit$    
,/ates is curr5tly address+ ! highe/    
levels ( risk ( v>i\s =ms ( illicit     
f9ance1 includ+ ^? id5tifi$ 9 ! docum5ts
 entitl$ #bjae ,national ,money ,laund]+
 ,risk ,assessm5t & #bjae ,national     
,t]rori/ ,f9anc+ ,risk ,assessm5t1      
publi%$ by ! ,dep>tm5t ( ! ,treasury & a
 description ( h[ ! /rategy is integrat$

 into1 & supports1 ! broad] c\nt]       
t]rorism /rategy ( ! ,unit$ ,/ates4     
7#b7 ,goals1 objectives1 & priorities ,a
 compreh5sive1 rese>*-bas$1 long-range1 
quantifiable discussion ( goals1        
objectives1 & priorities = disrupt+ &   
prev5t+ illicit f9ance activities )9 &  
transit+ ! f9ancial sy/em ( ! ,unit$    
,/ates t outl9es priorities to r$uce !  
incid5ce1 doll> value1 & effects (      
illicit f9ance4  7#c7 ,?reats ,an       
id5tification ( ! mo/ significant       
illicit f9ance ?reats to ! f9ancial     
sy/em ( ! ,unit$ ,/ates4  7#d7 ,reviews 
& propos$ *anges ,reviews ( en=cem5t    
ef=ts1 relevant regulations & relevant  
provisions ( law &1 if appropriate1     
discussions ( propos$ *anges det]m9$ to 
be appropriate to ensure t ! ,unit$     
,/ates pursues coord9at$ & effective    
ef=ts at all levels ( gov]nm5t1 & )     
int]national p>tn]s ( ! ,unit$ ,/ates1 9
 ! fight aga9/ illicit f9ance4  7#e7    
,detection & prosecution initiatives ,a 
description ( ef=ts to improve detection

 & prosecution ( illicit f9ance1 includ+
 ef=ts to ensure t-- 7,a7 subject to    
legal re/rictions1 all appropriate data 
collect$ by ! ,f$]al ,gov]nm5t t is     
relevant to ! ef=ts describ$ 9 ?is      
section be available 9 a timely fa%ion  
to-- 7i7 all appropriate ,f$]al         
dep>tm5ts & ag5cies2 &  7ii7 z          
appropriate & consi/5t ) section #cad ( 
! ,int]national ,money ,laund]+         
,abatem5t & ,f9ancial ,anti-,t]rorism   
,act ( #bjja 7#ca ,u4,s4,c4 #ecaa note71
 to f9ancial in/itutions to assi/ !     
f9ancial in/itutions 9 ef=ts to comply )
 laws aim$ at curb+ illicit f9ance2 &   
7,b7 appropriate ef=ts are und]tak5 to  
ensure t ,f$]al dep>tm5ts & ag5cies *>g$
 ) r$uc+ & prev5t+ illicit f9ance make  
?or\gh use ( publicly available data 9  
fur!rance ( ?is ef=t4  7#f7 ,! role ( ! 
private f9ancial sector 9 prev5tion (   
illicit f9ance ,a discussion ( ways to  
enhance p>tn]%ips betwe5 ! private      
f9ancial sector & ,f$]al dep>tm5ts &    
ag5cies ) reg>d to ! prev5tion &        

detection ( illicit f9ance1 includ+--   
7,a7 ef=ts to facilitate compliance )   
laws aim$ at /opp+ su* illicit f9ance   
:ile ma9ta9+ ! effectiv5ess ( su* ef=ts2
 &  7,b7 provid+ guidance to /r5g!n     
int]nal controls & to adopt on an       
indu/ry-wide basis m effective policies4
  7#g7 ,enhancem5t ( int]gov]nm5tal     
coop]ation ,a discussion ( ways to      
combat illicit f9ance by enhanc+-- 7,a7 
coop]ative ef=ts betwe5 & among ,f$]al1 
,/ate1 & local (ficials1 includ+ ,/ate  
regulators1 ,/ate & local prosecutors1 &
 o!r law en=cem5t (ficials2  7,b7       
coop]ative ef=ts ) & betwe5 gov]nm5ts ( 
c\ntries & ) & betwe5 mult9ational      
in/itutions1 includ+ ! ,f9ancial ,action
 ,task ,=ce1 ) exp]tise 9 fight+ illicit
 f9ance4  7#h7 ,tr5d analysis ( em]g+   
illicit f9ance ?reats ,a discussion ( & 
data reg>d+ tr5ds 9 illicit f9ance1     
includ+ evolv+ =ms ( value transf] su* z
 s-call$ cryptocurr5cies1 o!r me?ods t  
are comput]1 telecommunications1 or     
,int]net-bas$1 cyb] crime1 or any o!r   

?reats t ! ,secret>y may *oose to       
id5tify4  7#i7 ,budget priorities ,a    
multiye> budget plan t id5tifies        
suffici5t res\rces ne$$ to successfully 
execute ! full range ( missions call$ = 
9 ?is section4  7#aj7 ,te*nology        
enhancem5ts ,an analysis ( curr5t &     
develop+ ways to lev]age te*nology to   
improve ! effectiv5ess ( ef=ts to /op ! 
f9anc+ ( t]rorism & o!r =ms ( illicit   
f9ance1 includ+ bett] integration (     
op5-s\rce data4  ,,iii ,def9itions      
#cja4 ,def9itions ,9 ?is ,act-- 7#a7 !  
t]m appropriate congressional committees
 means-- 7,a7 ! ,committee on ,f9ancial 
,s]vices1 ! ,committee on ,=eign        
,affairs1 ! ,committee on ,arm$         
,s]vices1 ! ,committee on ! ,judici>y1  
,committee on ,homel& ,security1 & !    
,p]man5t ,select ,committee on          
,intellig5ce ( ! ,h\se (                
,repres5tatives2 &  7,b7 ! ,committee on
 ,bank+1 ,h\s+1 & ,urban ,affairs1 !    
,committee on ,=eign ,relations1        
,committee on ,arm$ ,s]vices1 ,committee

 on ! ,judici>y1 ,committee on ,homel&  
,security & ,gov]nm5tal ,affairs1 & !   
,select ,committee on ,intellig5ce ( !  
,s5ate2  7#b7 ! t]m appropriate ,f$]al  
bank+ ag5cies has ! mean+ giv5 ! t]m 9  
section #c ( ! ,f$]al ,deposit          
,insurance ,act 7#ab ,u4,s4,c4 #ahac72  
7#c7 ! t]m ,bank ,secrecy ,act means--  
7,a7 section #ba ( ! ,f$]al ,deposit    
,insurance ,act 7#ab ,u4,s4,c4 #ahbi;b72
  7,b7 *apt] #b ( title ,i ( ,public    
,law #ia-ejh 7#ab ,u4,s4,c4 #aiea et    
seq472 &  7,c7 sub*apt] ,,ii ( *apt] #ec
 ( title #ca1 ,unit$ ,/ates ,code2  7#d7
 ! t]m illicit f9ance means ! f9anc+ (  
t]rorism1 money laund]+1 or o!r =ms (   
illicit f9anc+ dome/ically or           
int]nationally1 z def9$ by ! ,presid5t2 
7#e7 ! t]m money s]vices bus9ess has !  
mean+ giv5 ! t]m "u section #ajaj4ajj ( 
title #ca1 ,code ( ,f$]al ,regulations2 
7#f7 ! t]m ,secret>y means ! ,secret>y (
 ! ,treasury2 &  7#g7 ! t]m ,/ate means 
ea* ( ! sev]al ,/ates1 ! ,di/rict (     
,columbia1 & ea* t]ritory or possession 

( ! ,unit$ ,/ates4  ,secret>y