#aae? ,,congress  #b;d ,session  ,h4 ,r4
 #fgbi  ,,an ,,act  ,to all[ nonpr(it   
organizations to regi/] ) ! ,secret>y ( 
! ,treasury & %>e in=mation on          
activities t may involve human traffick+
 or money laund]+ ) f9ancial in/itutions
 & regulatory au?orities1 "u a safe     
h>bor t (f]s protections f liability1 9 
ord] to bett] id5tify & report pot5tial 
human traffick+ or money laund]+        
activities4  #a4 ,%ort title ,?is ,act  
may be cit$ z ! ,emp[]+ ,f9ancial       
,in/itutions to ,fight ,human ,traffick+
 ,act ( #bjah4  #b4 ,anti-,money        
,laund]+ ,in=mation ,provid]s  7a7 ,9   
g5]al ,sub*apt] ,,ii ( *apt] #ec ( title
 #ca1 ,unit$ ,/ates ,code1 is am5d$ by  
add+ at ! end ! foll[+3  #eccc4         
,anti-money laund]+ in=mation provid]s  
7a7 ,coop]ation among f9ancial          
in/itutions & s\rces ( in=mation on     
human traffick+ & money laund]+  7#a7 ,9
 g5]al ,n lat] ?an ! end ( ! #abj-;day  
p]iod beg9n+ on ! date ( enactm5t ( ?is 
section1 ! ,secret>y ( ! ,treasury %all 

issue regulations to all[ nonpr(it      
organizations t ! ,secret>y det]m9es to 
be qualifi$ to %>e in=mation ) f9ancial 
in/itutions1 associations ( f9ancial    
in/itutions1 _! regulatory au?orities1 &
 law en=cem5t ag5cies reg>d+            
individuals1 entities1 organizations1 & 
c\ntries suspect$ ( possible human      
traffick+ or relat$ money laund]+       
activities4  7#b7 ,coop]ation &         
in=mation %>+ proc$ures ,! regulations  
requir$ "u p>agraph 7#a7 may include or 
create proc$ures = coop]ation &         
in=mation %>+ focus$ on--  7,a7 matt]s  
specifically relat$ to ^? b5efitt+      
directly & indirectly f human traffick+1
 ! means by :i* human traffick]s transf]
 funds )9 ! ,unit$ ,/ates & ar\nd ! _w1 
& ! ext5t to :i* f9ancial in/itutions1  
includ+ depository in/itutions1 asset   
manag]s1 & insur]s 9 ! ,unit$ ,/ates1   
are unwitt+ly involv$ 9 su* matt]s or   
transf]s & ! ext5t to :i* su* entities  
are at risk z a result2 &  7,b7 means ( 
facilitat+ ! id5tification ( acc\nts &  

transactions involv+ human traffick]s & 
facilitat+ ! ex*ange ( in=mation conc]n+
 su* acc\nts & transactions betwe5      
nonpr(it organizations1 f9ancial        
in/itutions1 regulatory au?orities1 &   
law en=cem5t ag5cies4  7#c7 ,me?od (    
regulation ,! regulations requir$ "u    
p>agraph 7#a7 may-- 7,a7 be made        
coext5sive ) ! regulations adopt$       
pursuant to o!r programs1 regulat$ by ! 
,secret>y1 = %>+ in=mation on unlawful  
activities betwe5 f9ancial in/itutions2 
7,b7 e/abli% a regi/ration process      
ov]se5 by ! ,secret>y t-- 7i7 requires a
 nonpr(it organization to demon/rate t  
!y meet c]ta9 qualifications t !        
,secret>y det]m9es appropriate1 includ+ 
! e/abli%m5t ( policies & proc$ures     
reasonably design$ to ensure ! prompt   
id5tification & correction ( inaccurate 
in=mation %>$ "u p>agraph 7#a72  7ii7   
all[s ! ,secret>y to disqualify nonpr(it
 organizations t d n meet su*           
qualifications2 &  7iii7 all[s !        
,secret>y to t]m9ate ! regi/ration ( a  

nonpr(it organization at any po9t if !  
,secret>y det]m9es su* t]m9ation is     
appropriate & provides suffici5t notice 
( su* t]m9ation to ! applicable nonpr(it
 organization2  7,c7 require a nonpr(it 
organization to regi/] ) ! ,secret>y    
be=e %>+ in=mation t w be subject to !  
safe h>bor provid$ "u subsection 7b72 & 
7,d7 ensure t f9ancial in/itutions1     
associations ( f9ancial in/itutions1 _! 
regulatory au?orities1 law en=cem5t     
au?orities1 & any o!r appropriate       
entities are made aw>e ( ^? nonpr(it    
organizations t are regi/]$ ) !         
,secret>y4  7#d7 ,recipi5ts ( in=mation 
7,a7 ,9 g5]al ,! ,secret>y %all det]m9e 
^? f9ancial in/itutions :i* are eligible
 to be recipi5ts ( in=mation f nonpr(it 
organizations made 9 compliance ) !     
regulations issu$ "u subsection 7a74    
,su* eligible f9ancial in/itutions may  
include ^? already p>ticipat+ 9 exi/+   
in=mation %>+ programs regulat$ by !    
,secret>y reg>d+ unlawful activity4     
7,b7 ,no safe h>bor = in=mation provid$ 

to o!r f9ancial in/itutions ,if a       
nonpr(it organization %>es in=mation ) a
 f9ancial in/itution t is n eligible "u 
subp>agraph 7,a71 su* %>+ ( in=mation   
%all n be subject to ! safe h>bor       
provid$ "u subsection 7b74  7#e7        
,in=mation %>+ betwe5 f9ancial          
in/itutions ,! regulations adopt$       
pursuant to ?is section-- 7,a7 may be   
coext5sive ) o!r regulations gov]n+ !   
%>+ ( in=mation betwe5 f9ancial         
in/itutions on suspect$ unlawful        
activities2 &  7,b7 %all all[ f9ancial  
in/itutions t receive in=mation 9       
compliance ) ! regulations issu$ "u     
subsection 7a7 to %>e su* in=mation )   
o!r f9ancial in/itutions ?r\gh exi/+    
in=mation %>+ programs4  7b7 ,safe h>bor
 = in=mation provid]s  7#a7 ,9 g5]al ,a 
nonpr(it organization1 f9ancial         
in/itution1 association ( f9ancial      
in/itutions1 regulatory au?ority ( a    
f9ancial in/itution1 or law en=cem5t    
ag5cy 9 compliance ) ! regulations issu$
 "u subsection 7a7 t transmits or %>es  

in=mation describ$ "u subsection 7a7 = !
 purposes ( id5tify+ or report+         
activities t may involve human traffick+
 acts or relat$ money laund]+ activities
 %all n be liable to any p]son "u any   
law or regulation ( ! ,unit$ ,/ates1 any
 con/itution1 law1 or regulation ( any  
,/ate or political subdivision !re(1 or 
"u any contract or o!r legally en=ceable
 agreem5t 7includ+ any arbitration      
agreem5t71 = su* disclosure or = any    
failure to provide notice ( su*         
disclosure to ! p]son :o is ! subject ( 
su* disclosure1 or any o!r p]son        
id5tifi$ 9 ! disclosure1 except :]e su* 
transmission or %>+ violates ?is section
 or regulations issu$ pursuant to ?is   
section4  7#b7 ,no good fai? requirem5t 
,a nonpr(it organization1 f9ancial      
in/itution1 association ( f9ancial      
in/itutions1 regulatory au?ority ( a    
f9ancial in/itution1 or law en=cem5t    
ag5cy t transmits or %>es in=mation     
describ$ "u p>agraph 7#a7 %all n be     
requir$ to demon/rate t su* transmission

 or %>+ 0 made on a good fai? basis 9   
ord] to receive ! b5efit ( ! safe h>bor 
provid$ by p>agraph 7#a74  7c7          
,non-,m&atory compliance ) ?is section  
,?is section may n be con/ru$ z requir+ 
a nonpr(it organization to comply ) !   
regulations issu$ "u subsection 7a7 be=e
 %>+ in=mation ) a f9ancial in/itution1 
association ( f9ancial in/itutions1     
regulatory au?ority ( a f9ancial        
in/itution1 or law en=cem5t ag5cy4  7d7 
,reports to ! f9ancial s]vices indu/ry  
on suspici\s f9ancial activities ,beg9n+
 #aj mon?s aft] ! date ( ! enactm5t (   
?is section1 & at lea/ semiannually     
!reaft]1 ! ,secret>y ( ! ,treasury      
%all-- 7#a7 publi% a report conta9+ a   
detail$ analysis id5tify+ patt]ns (     
suspici\s activity & o!r inve/igative   
insights d]iv$ f ! regulations issu$ "u 
?is section & inve/igations conduct$ by 
,f$]al1 ,/ate1 local1 & ,tribal law     
en=cem5t ag5cies to ! ext5t appropriate2
  7#b7 di/ribute su* report to f9ancial 
in/itutions2 &  7#c7 provide su* report 

^u publication to ! ,committee on       
,f9ancial ,s]vices ( ! ,h\se (          
,repres5tatives & ! ,committee on       
,bank+1 ,h\s+1 & ,urban ,affairs ( !    
,s5ate4  7e7 ,nonpr(it organization     
def9$ ,= purposes ( ?is section1 ! t]m  
nonpr(it organization means an          
organization describ$ 9 section         
#eja7;c77#c7 ( ! ,int]nal ,rev5ue ,code 
( #aihf & exempt f taxation "u section  
#eja7;a7 ( su* ,code4  4  7b7 ,cl]ical  
am5dm5t ,! table ( cont5ts = *apt] #ec (
 title #ca1 ,unit$ ,/ates ,code1 is     
am5d$ by ins]t+ aft] ! item relat+ to   
section #eccb ! foll[+3  #eccc4         
,anti-money laund]+ in=mation provid]s4 
4  ,pass$ ! ,h\se ( ,repres5tatives     
,septemb] #bf1 #bjah4;,cl]k4