,,ib  ,union ,cal5d> ,no4 #dci  #aae?   
,,congress  #b;d ,session  ,h4 ,r4 #bbai
  ,report ,no4 #aae-efi1 ,p>ts ,i & ,,ii
  ,,9 ,,! ,,h\se ,,( ,,repres5tatives   
,april #bg1 #bjag ,mr4 ,royce (         
,cali=nia 7= himself1 ,mr4 ,keat+1 ,mrs4
 ,c>olyn ,b4 ,maloney ( ,new ,york1 &   
,mrs4 ,love7 introduc$ ! foll[+ bill2   
:i* 0 ref]r$ to ! ,committee on ,=eign  
,affairs1 & 9 addition to ! ,committee  
on ,f9ancial ,s]vices1 = 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$  ,febru>y #bj1 #bjah ,report$ f 
! ,committee on ,f9ancial ,s]vices )    
am5dm5ts ,omit ! "p /ruck ?r\gh & ins]t 
! "p pr9t$ 9 italic  ,febru>y #bc1      
#bjah;,additional sponsors3 ,mr4        
,meehan1 ,mr4 ,fitzpatrick1 ,ms4 ,s9ema1
 ,mr4 ,delaney1 ,mr4 ,meeks1 ,mrs4      
,beatty1 ,mr4 ,lyn*1 ,mr4 ,mess]1 ,mr4  
,sires1 ,mr4 ,hultgr51 ,mr4 ,poe (      
,texas1 & ,mr4 ,got!im]  ,febru>y #bc1  
#bjah,report$ f ! ,committee on ,=eign  

,affairs ) an am5dm5t2 committ$ to !    
,committee ( ! ,:ole ,h\se on ! ,/ate ( 
! ,union & ord]$ to be printed,strike   
out all aft] ! enact+ clause & ins]t !  
"p pr9t$ 9 boldface roman,for text (    
introduc$ bill1 see copy ( bill z       
introduc$ on ,april #bg1 #bjag  ,a      
,,bill  ,to increase ! role ( ! f9ancial
 indu/ry 9 combat+ human traffick+4  #a4
 ,%ort title ,?is ,act may be cit$ z !  
,end ,bank+ = ,human ,traffick]s ,act ( 
#bjag4  #b4 ,increas+ ! role ( !        
f9ancial indu/ry 9 combat+ human        
traffick+  7a7 ,treasury z a memb] ( !  
,presid5t's ,int]ag5cy ,task ,=ce ,to   
,monitor & ,combat ,traffick+ ,section  
#aje7;b7 ( ! ,victims ( ,traffick+ &    
,viol5ce ,protection ,act ( #bjjj 7#bb  
,u4,s4,c4 #gajc7;b77 is am5d$ by ins]t+ 
! ,secret>y ( ! ,treasury1 aft] !       
,secret>y ( ,education14  7b7 ,requir$  
review ( proc$ures ,n lat] ?an #ahj days
 aft] ! date ( enactm5t ( ?is ,act1 !   
,f9ancial ,in/itutions ,exam9ation      
,c\ncil %all1 9 consultation ) !        

,secret>y ( ! ,treasury & o!r           
appropriate law en=cem5t ag5cies1 take !
 foll[+ actions3  7#a7 ,review &        
enhance1 :]e necess>y1 tra9+ &          
exam9ations proc$ures to improve !      
ability ( anti-money laund]+ programs to
 t>get human traffick+ op]ations4  7#b7 
,review & enhance1 :]e necess>y1        
proc$ures = ref]r+ pot5tial human       
traffick+ cases to ! appropriate law    
en=cem5t ag5cy4  7c7 ,int]ag5cy task =ce
 recomm5dations t>get+ money laund]+    
relat$ to human traffick+  7#a7 ,9 g5]al
 ,n lat] ?an #ahj days aft] ! date (    
enactm5t ( ?is ,act1 ! ,int]ag5cy ,task 
,=ce to ,monitor & ,combat ,traffick+   
%all prep>e & submit to ,congress1 !    
,secret>y ( ! ,treasury1 & ea*          
appropriate ,f$]al bank+ ag5cy a s]ies (
 legislative1 adm9i/rative1 & regulatory
 recomm5dations1 if necess>y1 to revise 
anti-money laund]+ programs ( f9ancial  
in/itutions 9 ord] to specifically t>get
 money laund]+ relat$ to human          
traffick+1 z describ$ 9 p>agraph 7#b74  

7#b7 ,requir$ recomm5dations ,!         
recomm5dations requir$ "u p>agraph 7#a7 
%all1 at a m9imum1 include ! foll[+3    
7,a7 ,successful anti-human traffick+   
programs curr5tly 9 place at f9ancial   
in/itutions t are suitable = broad]     
adoption4  7,b7 ,recomm5d$ *anges1 if   
necess>y1 to ! int]nal policies1        
proc$ures1 & controls at f9ancial       
in/itutions s t su* in/itutions c bett] 
det] & detect money laund]+ relat$ to   
human traffick+4  7,c7 ,recomm5d$       
*anges1 if necess>y1 to ongo+ employee  
tra9+ programs at f9ancial in/itutions s
 t ^? in/itutions c bett] equip         
employees to det] & detect money laund]+
 relat$ to human traffick+1 includ+ !   
tra9+ ( legal c\nsel1 risk manag]s1 &   
compliance (fic]s4  7,d7 ,recomm5d$     
revisions1 if necess>y1 to exi/+        
regulatory requirem5ts & guidel9es = !  
report+ ( suspici\s transactions by     
f9ancial in/itutions1 z requir$ pursuant
 to section #ecah7;g7 ( title #ca1      
,unit$ ,/ates ,code1 9 ord] to          

facilitate ! collection ( data on       
in/ances ( suspect$ human traffick+4    
7d7 ,additional report+ requirem5t      
,section #aaj7;b7 ( ! ,traffick+        
,victims ,protection ,act ( #bjjj 7#bb  
,u4,s4,c4 #gajg7;b77 is am5d$ by add+ at
 ! end ! foll[+3  7#d7 ,description (   
ef=ts ( ,unit$ ,/ates to elim9ate money 
laund]+ relat$ to human traffick+ ,9    
addition to ! in=mation requir$ 9 !     
annual report "u p>agraph 7#a7 & !      
int]im report "u p>agraph 7#b71 !       
,secret>y ( ,/ate1 9 consultation ) !   
,attorney ,g5]al & ! ,secret>y ( !      
,treasury1 %all include 9 ea* su* report
 a description ( ef=ts ( ! ,unit$ ,/ates
 to elim9ate money laund]+ relat$ to    
human traffick+ & ! numb] (             
inve/igations1 arre/s1 indictm5ts &     
convictions 9 money laund]+ cases ) a   
nexus to human traffick+4  4  7b7       
,requir$ review ( proc$ures ,n lat] ?an 
#ahj days aft] ! date ( ! enactm5t ( ?is
 ,act1 ! ,f9ancial ,in/itutions         
,exam9ation ,c\ncil1 9 consultation ) ! 

,secret>y ( ! ,treasury1 ! private      
sector1 & appropriate law en=cem5t      
ag5cies1 %all--  7#a7 review & enhance  
tra9+ & exam9ations proc$ures to improve
 ! capabilities ( anti-money laund]+ &  
c\nt]+ ! f9anc+ ( t]rorism programs to  
detect human traffick+-relat$ f9ancial  
transactions2  7#b7 review & enhance    
proc$ures = ref]r+ pot5tial human       
traffick+ cases to ! appropriate law    
en=cem5t ag5cy2 &  7#c7 det]m9e1 z      
appropriate1 :e!r requirem5ts = f9ancial
 in/itutions are suffici5t to detect &  
det] money laund]+ relat$ to human      
traffick+4  7c7 ,int]ag5cy task =ce     
recomm5dations t>get+ money laund]+     
relat$ to human traffick+  7#a7 ,9 g5]al
 ,n lat] ?an #bgj days aft] ! date ( !  
enactm5t ( ?is ,act1 ! ,int]ag5cy ,task 
,=ce to ,monitor & ,combat ,traffick+   
%all submit to ! ,committee on ,f9ancial
 ,s]vices & ! ,committee on ! ,judici>y 
( ! ,h\se ( ,repres5tatives1 !          
,committee on ,bank+1 ,h\s+1 & ,urban   
,affairs & ! ,committee on ! ,judici>y (

 ! ,s5ate1 & ! head ( ea* appropriate   
,f$]al bank+ ag5cy--  7,a7 an analysis (
 anti-money laund]+ ef=ts ( ! ,unit$    
,/ates ,gov]nm5t & ,unit$ ,/ates        
f9ancial in/itutions relat$ to human    
traffick+2 &  7,b7 appropriate          
legislative1 adm9i/rative1 & o!r        
recomm5dations to /r5g!n ef=ts aga9/    
money laund]+ relat+ to human traffick+4
  7#b7 ,requir$ recomm5dations ,!       
recomm5dations "u p>agraph 7#a7 %all    
include-- 7,a7 fe$back f f9ancial       
in/itutions on be/ practices (          
successful anti-human traffick+ programs
 curr5tly 9 place t may be suitable =   
broad] adoption by simil>ly situat$     
f9ancial in/itutions2  7,b7 fe$back f   
/akehold]s1 includ+ traffick+ victims & 
f9ancial in/itutions1 on policy         
proposals d]iv$ f ! analysis conduct$ by
 ! task =ce ref]r$ to 9 p>agraph 7#a7 t 
w\ld enhance ! ef=ts & programs (       
f9ancial in/itutions to detect & det]   
money laund]+ relat$ to human traffick+1
 includ+ any recomm5d$ *anges to int]nal

 policies1 proc$ures1 & controls relat$ 
to human traffick+2  7,c7 any recomm5d$ 
*anges to tra9+ programs at f9ancial    
in/itutions to bett] equip employees to 
det] & detect money laund]+ relat$ to   
human traffick+2  7,d7 any recomm5d$    
*anges to exp& human traffick+-relat$   
in=mation %>+ among f9ancial in/itutions
 & betwe5 su* f9ancial in/itutions1     
appropriate law en=cem5t ag5cies1 &     
appropriate ,f$]al ag5cies2 &  7,e7     
recomm5d$ *anges1 if necess>y1 to exi/+ 
/atutory law to m effectively detect &  
det] money laund]+ relat$ to human      
traffick+1 :]e su* money laund]+        
involves ! use ( em]g+ te*nologies &    
virtual curr5cies4  7e7 7d7 ,limitation 
,no?+ 9 ?is ,act %all be con/ru$ to     
grant rulemak+ au?ority to ! ,int]ag5cy 
,task ,=ce to ,monitor & ,combat        
,traffick+4  7f7 7e7 ,def9itions ,z us$ 
9 ?is section-- 7#a7 ! t]m anti-money   
laund]+ program means any program       
e/abli%$ by a f9ancial in/itution       
pursuant to section #ecah7;h7 ( title   

#ca1 ,unit$ ,/ates ,code2  7#b7 7#a7 !  
t]m appropriate ,f$]al bank+ ag5cy has !
 mean+ giv5 ! t]m 9 section #c7q7 ( !   
,f$]al ,deposit ,insurance ,act 7#ab    
,u4,s4,c4 #ahac7q772  7#c7 7#b7 ! t]m   
human traffick+ means-- 7,a7 sex        
traffick+ 9 :i* a comm]cial sex act is  
induc$ by =ce1 fraud1 or co]cion1 or 9  
:i* ! p]son induc$ to p]=m su* act has n
 atta9$ #ah ye>s ( age2 or  7,b7 !      
recruitm5t1 h>bor+1 transportation1     
provision1 or obta9+ ( a p]son = labor  
or s]vices1 ?r\gh ! use ( =ce1 fraud1 or
 co]cion = ! purpose ( subjection to    
involunt>y s]vitude1 peonage1 debt      
bondage1 or slav]y2  7#d7 7#c7 ! t]m    
,int]ag5cy ,task ,=ce to ,monitor &     
,combat ,traffick+ means ! ,int]ag5cy   
,task ,=ce to ,monitor & ,combat        
,traffick+ e/abli%$ by ! ,presid5t      
pursuant to section #aje ( ! ,victims ( 
,traffick+ & ,viol5ce ,protection ,act (
 #bjjj 7#bb ,u4,s4,c4 #gajc72 &  7#e7   
7#d7 ! t]m law en=cem5t ag5cy means an  
ag5cy ( ! ,unit$ ,/ates1 a ,/ate1 or a  

political subdivision ( a ,/ate1        
au?oriz$ by law or by a gov]nm5t ag5cy  
to engage 9 or sup]vise ! prev5tion1    
detection1 inve/igation1 or prosecution 
( any violation ( crim9al or civil law4 
#c4 ,coord9ation ( human traffick+      
issues by ! ,(fice ( ,t]rorism &        
,f9ancial ,intellig5ce  7a7 ,functions  
,section #cab7;a77#d7 ( title #ca1      
,unit$ ,/ates ,code1 is am5d$-- 7#a7 by 
r$esignat+ subp>agraphs 7,e71 7,f71 &   
7,g7 z subp>agraphs 7,f71 7,g71 & 7,h71 
respectively2 &  7#b7 by ins]t+ aft]    
subp>agraph 7,d7 ! foll[+3  7,e7 combat+
 illicit f9anc+ relat+ to human         
traffick+2  4  7b7 ,int]ag5cy           
coord9ation ,section #cab7;a7 ( title   
#ca1 ,unit$ ,/ates ,code1 is am5d$ by   
add+ at ! end ! foll[+3  7#h7 ,int]ag5cy
 coord9ation ,! ,secret>y ( ! ,treasury1
 aft] consultation ) ! ,und]secret>y =  
,t]rorism & ,f9ancial ,crimes1 %all     
designate an (fice )9 ! ,,otfi t %all   
coord9ate ef=ts to combat ! illicit     
f9anc+ ( human traffick+ )--  7,a7 o!r  

(fices ( ! ,dep>tm5t ( ! ,treasury2     
7,b7 o!r ,f$]al ag5cies1 includ+--  7i7 
! ,(fice to ,monitor & ,combat          
,traffick+ 9 ,p]sons ( ! ,dep>tm5t (    
,/ate2 &  7ii7 ! ,int]ag5cy ,task ,=ce  
to ,monitor & ,combat ,traffick+2  7,c7 
,/ate & local law en=cem5t ag5cies2 &   
7,d7 =eign gov]nm5ts4  4  #d4           
,additional report+ requirem5t "u !     
,traffick+ ,victims ,protection ,act (  
#bjjj ,section #aje7;d77#g7 ( !         
,traffick+ ,victims ,protection ,act (  
#bjjj 7#bb ,u4,s4,c4 #gajc7;d77#g77 is  
am5d$--  7#a7 9 ! matt] prec$+          
subp>agraph 7,a7-- 7,a7 by ins]t+ !     
,committee on ,f9ancial ,s]vices1 aft] !
 ,committee on ,=eign ,affairs12 &  7,b7
 by ins]t+ ! ,committee on ,bank+1      
,h\s+1 & ,urban ,affairs1 aft] !        
,committee on ,=eign ,relations12  7#b7 
9 subp>agraph 7,q77vii71 by /rik+ 2 & & 
ins]t+ a semicolon2  7#c7 9 subp>agraph 
7,r71 by /rik+ ! p]iod at ! end & ins]t+
 2 &2 &  7#d7 by add+ at ! end ! foll[+3
  7,s7 ! ef=ts ( ! ,unit$ ,/ates to     

elim9ate money laund]+ relat$ to human  
traffick+ & ! numb] ( inve/igations1    
arre/s1 indictm5ts1 & convictions 9     
money laund]+ cases ) a nexus to human  
traffick+4  4  #a4 ,%ort title ,?is ,act
 may be cit$ z ! ,end ,bank+ = ,human   
,traffick]s ,act ( #bjag4  #b4 ,increas+
 ! role ( ! f9ancial indu/ry 9 combat+  
human traffick+  7a7 ,treasury z a memb]
 ( ! ,presid5t's ,int]ag5cy ,task ,=ce  
,to ,monitor & ,combat ,traffick+       
,section #aje7;b7 ( ! ,victims (        
,traffick+ & ,viol5ce ,protection ,act (
 #bjjj 7#bb ,u4,s4,c4 #gajc7;b77 is     
am5d$ by ins]t+ ! ,secret>y ( !         
,treasury1 aft] ! ,secret>y (           
,education14  7b7 ,requir$ review (     
proc$ures ,n lat] ?an #ahj days aft] !  
date ( enactm5t ( ?is ,act1 ! ,f9ancial 
,in/itutions ,exam9ation ,c\ncil %all1 9
 consultation ) ! ,secret>y ( !         
,treasury & o!r appropriate law en=cem5t
 ag5cies1 take ! foll[+ actions3  7#a7  
,review & enhance1 :]e necess>y1 tra9+ &
 exam9ations proc$ures to improve !     

ability ( anti-money laund]+ programs to
 t>get human traffick+ op]ations4  7#b7 
,review & enhance1 :]e necess>y1        
proc$ures = ref]r+ pot5tial human       
traffick+ cases to ! appropriate law    
en=cem5t ag5cy4  7c7 ,int]ag5cy task =ce
 recomm5dations t>get+ money laund]+    
relat$ to human traffick+  7#a7 ,9 g5]al
 ,n lat] ?an #ahj days aft] ! date (    
enactm5t ( ?is ,act1 ! ,int]ag5cy ,task 
,=ce to ,monitor & ,combat ,traffick+   
%all prep>e & submit to ,congress1 !    
,secret>y ( ! ,treasury1 & ea*          
appropriate ,f$]al bank+ ag5cy a s]ies (
 legislative1 adm9i/rative1 & regulatory
 recomm5dations1 if necess>y1 to revise 
anti-money laund]+ programs ( f9ancial  
in/itutions 9 ord] to specifically t>get
 money laund]+ relat$ to human          
traffick+1 z describ$ 9 p>agraph 7#b74  
7#b7 ,requir$ recomm5dations ,!         
recomm5dations requir$ "u p>agraph 7#a7 
%all1 at a m9imum1 include ! foll[+3    
7,a7 ,successful anti-human traffick+   
programs curr5tly 9 place at f9ancial   

in/itutions t are suitable = broad]     
adoption4  7,b7 ,recomm5d$ *anges1 if   
necess>y1 to ! int]nal policies1        
proc$ures1 & controls at f9ancial       
in/itutions s t su* in/itutions c bett] 
det] & detect money laund]+ relat$ to   
human traffick+4  7,c7 ,recomm5d$       
*anges1 if necess>y1 to ongo+ employee  
tra9+ programs at f9ancial in/itutions s
 t ^? in/itutions c bett] equip         
employees to det] & detect money laund]+
 relat$ to human traffick+1 includ+ !   
tra9+ ( legal c\nsel1 risk manag]s1 &   
compliance (fic]s4  7,d7 ,recomm5d$     
revisions1 if necess>y1 to exi/+        
regulatory requirem5ts & guidel9es = !  
report+ ( suspici\s transactions by     
f9ancial in/itutions1 z requir$ pursuant
 to section #ecah7;g7 ( title #ca1      
,unit$ ,/ates ,code1 9 ord] to          
facilitate ! collection ( data on       
in/ances ( suspect$ human traffick+4    
7d7 ,additional report+ requirem5t      
,section #aaj7;b7 ( ! ,traffick+        
,victims ,protection ,act ( #bjjj 7#bb  

,u4,s4,c4 #gajg7;b77 is am5d$ by add+ at
 ! end ! foll[+3  7#d7 ,description (   
ef=ts ( ,unit$ ,/ates to elim9ate money 
laund]+ relat$ to human traffick+ ,9    
addition to ! in=mation requir$ 9 !     
annual report "u p>agraph 7#a7 & !      
int]im report "u p>agraph 7#b71 !       
,secret>y ( ,/ate1 9 consultation ) !   
,attorney ,g5]al & ! ,secret>y ( !      
,treasury1 %all include 9 ea* su* report
 a description ( ef=ts ( ! ,unit$ ,/ates
 to elim9ate money laund]+ relat$ to    
human traffick+ & ! numb] (             
inve/igations1 arre/s1 indictm5ts &     
convictions 9 money laund]+ cases ) a   
nexus to human traffick+4  4  7e7       
,limitation ,no?+ 9 ?is ,act %all be    
con/ru$ to grant rulemak+ au?ority to ! 
,int]ag5cy ,task ,=ce to ,monitor &     
,combat ,traffick+4  7f7 ,def9itions ,z 
us$ 9 ?is section-- 7#a7 ! t]m          
anti-money laund]+ program means any    
program e/abli%$ by a f9ancial          
in/itution pursuant to section #ecah7;h7
 ( title #ca1 ,unit$ ,/ates ,code2  7#b7

 ! t]m appropriate ,f$]al bank+ ag5cy   
has ! mean+ giv5 ! t]m 9 section #c7q7 (
 ! ,f$]al ,deposit ,insurance ,act 7#ab 
,u4,s4,c4 #ahac7q772  7#c7 ! t]m human  
traffick+ means-- 7,a7 sex traffick+ 9  
:i* a comm]cial sex act is induc$ by    
=ce1 fraud1 or co]cion1 or 9 :i* ! p]son
 induc$ to p]=m su* act has n atta9$ #ah
 ye>s ( age2 or  7,b7 ! recruitm5t1     
h>bor+1 transportation1 provision1 or   
obta9+ ( a p]son = labor or s]vices1    
?r\gh ! use ( =ce1 fraud1 or co]cion = !
 purpose ( subjection to involunt>y     
s]vitude1 peonage1 debt bondage1 or     
slav]y2  7#d7 ! t]m ,int]ag5cy ,task    
,=ce to ,monitor & ,combat ,traffick+   
means ! ,int]ag5cy ,task ,=ce to        
,monitor & ,combat ,traffick+ e/abli%$  
by ! ,presid5t pursuant to section #aje 
( ! ,victims ( ,traffick+ & ,viol5ce    
,protection ,act ( #bjjj 7#bb ,u4,s4,c4 
#gajc72 &  7#e7 ! t]m law en=cem5t ag5cy
 means an ag5cy ( ! ,unit$ ,/ates1 a    
,/ate1 or a political subdivision ( a   
,/ate1 au?oriz$ by law or by a gov]nm5t 

ag5cy to engage 9 or sup]vise !         
prev5tion1 detection1 inve/igation1 or  
prosecution ( any violation ( crim9al or
 civil law4  #c4 ,m9imum /&>ds = !      
elim9ation ( traffick+ ,section #ajh7;b7
 ( ! ,traffick+ ,victims ,protection    
,act ( #bjjj 7#bb ,u4,s4,c4 #gajf7;b77  
is am5d$ by add+ at ! end ! foll[+ new  
p>agraph3  7#ac7 ,:e!r ! gov]nm5t ( !   
c\ntry1 consi/5t ) ! capacity ( !       
c\ntry1 has 9 effect a framework to     
prev5t f9ancial transactions involv+ !  
proce$s ( sev]e =ms ( traffick+ 9       
p]sons1 & is tak+ /eps to implem5t su* a
 framework1 includ+ by inve/igat+1      
prosecut+1 convict+1 & s5t5c+           
individuals :o attempt or conduct su*   
transactions4  4  ,febru>y #bc1 #bjah   
,report$ f ! ,committee on ,=eign       
,affairs ) an am5dm5t2 committ$ to !    
,committee ( ! ,:ole ,h\se on ! ,/ate ( 
! ,union & ord]$ to be pr9t$