#aad? ,,congress  #b;d ,session  ,h4 ,r4
 #gff  ,,an ,,act  ,to provide          
requirem5ts = ! appropriate ,f$]al bank+
 ag5cies :5 reque/+ or ord]+ a          
depository in/itution to t]m9ate a      
specific cu/om] acc\nt1 to provide =    
additional requirem5ts relat$ to        
subpo5as issu$ "u ! ,f9ancial           
,in/itutions ,re=m1 ,recov]y1 &         
,en=cem5t ,act ( #aihi1 & = o!r         
purposes4  #a4 ,%ort title ,?is ,act may
 be cit$ z ! ,f9ancial ,in/itution      
,cu/om] ,protection ,act ( #bjaf4  #b4  
,requirem5ts = deposit acc\nt t]m9ation 
reque/s & ord]s  7a7 ,t]m9ation reque/s 
or ord]s mu/ be mat]ial  7#a7 ,9 g5]al  
,an appropriate ,f$]al bank+ ag5cy may n
 =mally or in=mally reque/ or ord] a    
depository in/itution to t]m9ate a      
specific cu/om] acc\nt or gr\p ( cu/om] 
acc\nts or to o!rwise re/rict or        
disc\rage a depository in/itution f     
ent]+ into or ma9ta9+ a bank+           
relation%ip ) a specific cu/om] or gr\p 
( cu/om]s unless--  7,a7 ! ag5cy has a  

mat]ial reason = su* reque/ or ord]2 &  
7,b7 su* reason is n bas$ solely on     
reputation risk4  7#b7 ,treatm5t (      
national security ?reats ,if an         
appropriate ,f$]al bank+ ag5cy believes 
a specific cu/om] or gr\p ( cu/om]s is1 
or is act+ z a conduit =1 an entity     
:i*-- 7,a7 poses a ?reat to national    
security2  7,b7 is involv$ 9 t]rori/    
f9anc+2  7,c7 is an ag5cy ( ! gov]nm5t (
 ,iran1 ,nor? ,korea1 ,syria1 or any    
c\ntry li/$ f "t to "t on ! ,/ate       
,sponsors ( ,t]rorism li/2  7,d7 is     
locat$ 91 or is subject to !            
jurisdiction (1 any c\ntry specifi$ 9   
subp>agraph 7,c72 or  7,e7 does bus9ess 
) any entity describ$ 9 subp>agraph 7,c7
 or 7,d71 unless ! appropriate ,f$]al   
bank+ ag5cy det]m9es t ! cu/om] or gr\p 
( cu/om]s has us$ due dilig5ce to avoid 
do+ bus9ess ) any entity describ$ 9     
subp>agraph 7,c7 or 7,d71  su* belief   
%all satisfy ! requirem5t "u p>agraph   
7#a74  7b7 ,notice requirem5t  7#a7 ,9  
g5]al ,if an appropriate ,f$]al bank+   

ag5cy =mally or in=mally reque/s or     
ord]s a depository in/itution to t]m9ate
 a specific cu/om] acc\nt or a gr\p (   
cu/om] acc\nts1 ! ag5cy %all-- 7,a7     
provide su* reque/ or ord] to !         
in/itution 9 writ+2 &  7,b7 accompany   
su* reque/ or ord] ) a writt5           
ju/ification = :y su* t]m9ation is ne$$1
 includ+ any specific laws or           
regulations ! ag5cy believes are be+    
violat$ by ! cu/om] or gr\p ( cu/om]s1  
if any4  7#b7 ,ju/ification requirem5t  
,a ju/ification describ$ "u p>agraph    
7#a77;,b7 may n be bas$ solely on !     
reputation risk to ! depository         
in/itution4  7c7 ,cu/om] notice  7#a7   
,notice requir$ ,except z provid$ "u    
p>agraph 7#b71 if an appropriate ,f$]al 
bank+ ag5cy ord]s a depository          
in/itution to t]m9ate a specific cu/om] 
acc\nt or a gr\p ( cu/om] acc\nts1 !    
depository in/itution %all in=m ! cu/om]
 or cu/om]s ( ! ju/ification = !        
cu/om]'s acc\nt t]m9ation describ$ "u   
subsection 7b74  7#b7 ,notice prohibit$ 

9 cases ( national security ,if an      
appropriate ,f$]al bank+ ag5cy reque/s  
or ord]s a depository in/itution to     
t]m9ate a specific cu/om] acc\nt or a   
gr\p ( cu/om] acc\nts bas$ on a belief t
 ! cu/om] or cu/om]s pose a ?reat to    
national security1 or are o!rwise       
describ$ "u subsection 7a77#b71 nei!r ! 
depository in/itution nor ! appropriate 
,f$]al bank+ ag5cy may in=m ! cu/om] or 
cu/om]s ( ! ju/ification = ! cu/om]'s   
acc\nt t]m9ation4  7d7 ,report+         
requirem5t ,ea* appropriate ,f$]al bank+
 ag5cy %all issue an annual report to ! 
,congress /at+-- 7#a7 ! aggregate numb] 
( specific cu/om] acc\nts t ! ag5cy     
reque/$ or ord]$ a depository in/itution
 to t]m9ate dur+ ! previ\s ye>2 &  7#b7 
! legal au?ority on :i* ! ag5cy reli$ 9 
mak+ su* reque/s & ord]s & ! frequ5cy on
 :i* ! ag5cy reli$ on ea* su* au?ority4 
7e7 ,def9itions ,= purposes ( ?is       
section3  7#a7 ,appropriate ,f$]al bank+
 ag5cy ,! t]m appropriate ,f$]al bank+  
ag5cy means-- 7,a7 ! appropriate ,f$]al 

bank+ ag5cy1 z def9$ "u section #c ( !  
,f$]al ,deposit ,insurance ,act 7#ab    
,u4,s4,c4 #ahac72 &  7,b7 ! ,national   
,cr$it ,union ,adm9i/ration1 9 ! case ( 
an insur$ cr$it union4  7#b7 ,depository
 in/itution ,! t]m depository in/itution
 means--  7,a7 a depository in/itution1 
z def9$ "u section #c ( ! ,f$]al        
,deposit ,insurance ,act 7#ab ,u4,s4,c4 
#ahac72 &  7,b7 an insur$ cr$it union4  
#c4 ,am5dm5ts to ! ,f9ancial            
,in/itutions ,re=m1 ,recov]y1 &         
,en=cem5t ,act ( #aihi ,section #iea ( !
 ,f9ancial ,in/itutions ,re=m1 ,recov]y1
 & ,en=cem5t ,act ( #aihi 7#ab ,u4,s4,c4
 #ahcc;a7 is am5d$-- 7#a7 9 subsection  
7c77#b71 by /rik+ affect+ a f$]ally     
insur$ f9ancial in/itution & ins]t+     
aga9/ a f$]ally insur$ f9ancial         
in/itution or by a f$]ally insur$       
f9ancial in/itution aga9/ an unaffiliat$
 ?ird p]son2 &  7#b7 9 subsection 7g7-- 
7,a7 9 ! head]1 by /rik+ subpo5as &     
ins]t+ inve/igations2 &  7,b7 by am5d+  
p>agraph 7#a77;,c7 to read z foll[s3    

7,c7 summon witnesses & require !       
production ( any books1 pap]s1          
correspond5ce1 memor&a1 or o!r records  
:i* ! ,attorney ,g5]al deems relevant or
 mat]ial to ! inquiry1 if ! ,attorney   
,g5]al--  7i7 reque/s a c\rt ord] f a   
c\rt ( compet5t jurisdiction = su*      
actions & (f]s specific & articulable   
facts %[+ t !re are reasonable gr\nds to
 believe t ! in=mation or te/imony s\ght
 is relevant & mat]ial = conduct+ an    
inve/igation "u ?is section2 or  7ii7   
ei!r p]sonally or ?r\gh delegation no   
l[] ?an ! ,deputy ,attorney ,g5]al1     
issues & signs a subpo5a = su* actions &
 su* subpo5a is support$ by specific &  
articulable facts %[+ t !re are         
reasonable gr\nds to believe t !        
in=mation or te/imony s\ght is relevant 
= conduct+ an inve/igation "u ?is       
section4  4  ,pass$ ! ,h\se (           
,repres5tatives ,febru>y #d1            
#bjaf4;,cl]k4