,,ii  #aad? ,,congress  #a/ ,session    
,s4 #fhc  ,,9 ,,! ,,s5ate ,,( ,,!       
,,unit$ ,,/ates  ,m>* #aj1 #bjae,mr4    
,book] 7= himself1 ,mrs4 ,gillibr&1 &   
,mr4 ,paul7 introduc$ ! foll[+ bill2 :i*
 0 read twice & ref]r$ to ! ,committee  
on ! ,judici>y  ,a ,,bill  ,to ext5d !  
pr9ciple ( f$]alism to ,/ate drug       
policy1 provide access to m$ical        
m>ijuana1 & enable rese>* into ! m$ic9al
 prop]ties ( m>ijuana4  #a4 ,%ort title 
,?is ,act may be cit$ z ! ,compassionate
 ,access1 ,rese>* ,expansion1 & ,respect
 ,/ates ,act ( #bjae or ! ,,c>]s ,act ( 
#bjae4  #b4 ,f$]alism 9 drug policy     
,section #gjh ( ! ,controll$ ,sub/ances 
,act 7#ba ,u4,s4,c4 #ijc7 is am5d$--    
7#a7 by /rik+ ,no provision & ins]t+ !  
foll[+3  7a7 ,9 g5]al ,except z provid$ 
9 subsection 7b71 no provision  2 &     
7#b7 by add+ at ! end ! foll[+3  7b7    
,compliance ) ,/ate law ,not)/&+ any o!r
 provision ( law1 ! provisions ( ?is    
title relat+ to m>ihuana %all n apply to
 any p]son act+ 9 compliance ) ,/ate law

 relat+ to ! production1 possession1    
di/ribution1 disp5sation1 adm9i/ration1 
laboratory te/+1 or deliv]y ( m$ical    
m>ihuana4  4  #c4 ,res*$ul+ ( m>ihuana  
7a7 ,removal f ,s*$ule ,i ,s*$ule ,i1 z 
set =? 9 section #bjb7;c7 ( ! ,controll$
 ,sub/ances ,act 7#ba ,u4,s4,c4         
#hab7;c771 is am5d$ 9 subsection 7c7--  
7#a7 by /rik+ p>agraphs 7#aj7 & 7#ag72  
7#b7 by r$esignat+ p>agraphs 7#aa7 ?r\gh
 7#af7 z p>agraphs 7#aj7 ?r\gh 7#ae71   
respectively2 &  7#c7 by r$esignat+     
p>agraphs 7#ah7 ?r\gh 7#bh7 z p>agraphs 
7#af7 ?r\gh 7#bf71 respectively4  7b7   
,li/+ 9 ,s*$ule ,,ii ,s*$ule ,,ii1 z set
 =? 9 section #bjb7;c7 ( ! ,controll$   
,sub/ances ,act 7#ba ,u4,s4,c4          
#hab7;c771 is am5d$ by add+ at ! end !  
foll[+3  7d7 ,unless specifically       
except$ or unless li/$ 9 ano!r s*$ule1  
any mat]ial1 comp\nd1 mixture1 or       
prep>ation1 :i* conta9s any quantity (  
m>ihuana1 includ+ its salts1 isom]s1 &  
salts ( isom]s4  4  #d4 ,exclusion (    
cannabidiol f def9ition ( m>ihuana      

,section #ajb ( ! ,controll$ ,sub/ances 
,act 7#ba ,u4,s4,c4 #hjb7 is am5d$--    
7#a7 9 p>agraph 7#af7-- 7,a7 by /rik+ or
 cake1 or ! /]iliz$ & ins]t+ cake1 !    
/]iliz$2 &  7,b7 by add+ 1 or           
cannabidiol be=e ! p]iod at ! end2 &    
7#b7 by add+ at ! end ! foll[+3  7#eg7  
,! t]m cannabidiol means ! sub/ance     
cannabidiol1 z d]iv$ f m>ihuana or !    
syn!tic =mulation1 t conta9s n great]   
?an #j4c p]c5t                          
delta-#i-tetrahydrocannab9ol on a dry   
weight basis4  4  #e4 ,cannabidiol      
det]m9ation by ,/ates ,section #bja ( ! 
,controll$ ,sub/ances ,act 7#ba         
,u4,s4,c4 #haa7 is am5d$ by add+ at !   
end ! foll[+3  7j7 ,cannabidiol         
det]m9ation ,if a p]son gr[s or         
processes m>ihuana = purposes ( mak+    
cannabidiol 9 accordance ) ,/ate law1 ! 
m>ihuana %all be deem$ to meet !        
conc5tration limitation "u section      
#ajb7eg71 unless ! ,attorney ,g5]al     
det]m9es t ! ,/ate law is n reasonably  
calculat$ to comply ) section #ajb7eg74 

4  #f4 ,bank+  7a7 ,def9itions ,9 ?is   
section-- 7#a7 ! 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 #ageb72  7#b7
 ! 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 ( ! ,treasury2  7#c7 ! 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

 #edha72  7#d7 ! t]m manufactur] means a
 p]son :o manufactures1 comp\nds1       
conv]ts1 processes1 prep>es1 or packages
 m>ijuana or m>ijuana products2  7#e7 ! 
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+  
sell+1 transport+1 display+1 disp5s+1 or
 di/ribut+ m>ijuana or m>ijuana         
products2 &  7,b7 engages 9 su* activity
 pursuant to a law e/abli%$ by a ,/ate  
or a unite ( local gov]nm5t2  7#f7 ! t]m
 m>ijuana has ! mean+ giv5 ! t]m        
m>ihuana 9 section #ajb ( ! ,controll$  
,sub/ances ,act 7#ba ,u4,s4,c4 #hjb71 z 
am5d$ by ?is ,act2  7#g7 ! t]m m>ijuana 
product means any article t conta9s     
m>ijuana1 includ+ an article t is a     
conc5trate1 an edible1 a t9cture1 a     
m>ijuana-infus$ product1 or a topical2  
7#h7 ! t]m produc] means a p]son :o     
plants1 cultivates1 h>ve/s1 or 9 any way
 facilitates ! natural gr[? ( m>ijuana2 

&  7#i7 ! t]m ,/ate means ea* ( ! sev]al
 ,/ates1 ! ,di/rict ( ,columbia1 ,pu]to 
,rico1 & any t]ritory or possession ( ! 
,unit$ ,/ates4  7b7 ,safe h>bor =       
depository in/itutions ,a ,f$]al bank+  
regulator may n-- 7#a7 t]m9ate or limit 
! deposit insurance ( a depository      
in/itution "u ! ,f$]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] ( m>ijuana2  7,b7 ! individual  

is ! own] or op]ator ( a m>ijuana-relat$
 legitimate bus9ess2  7,c7 ! individual 
lat] becomes an own] or op]ator ( a     
m>ijuana-relat$ legitimate bus9ess2 or  
7,d7 ! depository in/itution 0 n aw>e t 
! individual is ! own] or op]ator ( a   
m>ijuana-relat$ legitimate bus9ess2 or  
7#d7 take any adv]se or corrective      
sup]visory action on a loan to an own]  
or op]ator (-- 7,a7 a m>ijuana-relat$   
legitimate bus9ess solely because ! own]
 or op]ator is a m>ijuana-relat$        
bus9ess2 or  7,b7 real e/ate or equipm5t
 t is leas$ to a m>ijuana-relat$        
legitimate bus9ess solely because ! own]
 or op]ator ( ! real e/ate or equipm5t  
leas$ ! real e/ate or equipm5t to a     
m>ijuana-relat$ bus9ess4  7c7           
,protections "u ,f$]al law  7#a7        
,inve/igation & prosecution ,a          
depository in/itution t provides        
f9ancial s]vices to a m>ijuana-relat$   
legitimate bus9ess1 or ! (fic]s1        
directors1 & employees ( t bus9ess1 %all
 be immune f ,f$]al crim9al prosecution 

or inve/igation = provid+ ^? s]vices4   
7#b7 ,f$]al crim9al law ,a depository   
in/itution t provides f9ancial s]vices  
to a m>ijuana-relat$ legitimate bus9ess 
%all n be subject to a crim9al p5alty "u
 any ,f$]al law solely = provid+ ^?     
s]vices or = fur!r inve/+ any income    
d]iv$ f su* s]vices4  7#c7 ,=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$]al law 
= provid+ su* loan4  7d7 ,exemption f   
fil+ suspici\s activity reports ,section
 #ecah7;g7 ( title #ca1 ,unit$ ,/ates   
,code1 is am5d$ by add+ at ! end !      
foll[+3  7#e7 ,requirem5ts =            
m>ijuana-relat$ legitimate bus9esses ,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  4  7e7 ,rule (           
con/ruction ,no?+ 9 ?is section requires
 a depository in/itution to provide     
f9ancial s]vices to a m>ijuana-relat$   
legitimate bus9ess4  #g4 ,rese>*  7a7 ,9
 g5]al ,n lat] ?an #ahj days aft] ! date
 ( enactm5t ( ?is ,act1 ! ,secret>y =   
,heal? & ,human ,s]vices %all t]m9ate ! 
,public ,heal? ,s]vice int]discipl9>y   
review process describ$ 9 ! guidance    
entitl$ ,guidance on ,proc$ures = !     
,provision ( ,m>ijuana = ,m$ical ,rese>*
 7issu$ on ,may #ba1 #aiii74  7b7       
,lic5ses = m>ijuana rese>* ,n lat] ?an  
#a ye> aft] ! date ( enactm5t ( ?is     

,act1 ! ,attorney ,g5]al1 act+ ?r\gh !  
,drug ,en=cem5t ,adm9i/ration1 %all     
issue n less ?an #c lic5ses "u section  
#cjc ( ! ,controll$ ,sub/ances ,act 7#ba
 ,u4,s4,c4 #hbc7 to manufacture m>ijuana
 & m>ijuana-d]ivatives = rese>* approv$ 
by ! ,food & ,drug ,adm9i/ration4  #h4  
,provision by ,dep>tm5t ( ,vet]ans      
,affairs heal? c>e provid]s (           
recomm5dations & op9ions reg>d+ vet]an  
p>ticipation 9 ,/ate m>ijuana programs  
,not)/&+ any o!r provision ( law1 !     
,secret>y ( ,vet]ans ,affairs %all      
au?orize physicians & o!r heal? c>e     
provid]s employ$ by ! ,dep>tm5t (       
,vet]ans ,affairs to-- 7#a7 provide     
recomm5dations & op9ions to vet]ans :o  
are resid5ts ( ,/ates ) ,/ate m>ijuana  
programs reg>d+ ! p>ticipation ( vet]ans
 9 su* ,/ate m>ijuana programs2 &  7#b7 
complete =ms reflect+ su* recomm5dations
 & op9ions4