,,ib ,union ,cal5d> ,no4 #gh #aaf? ,,congress #a/ ,session ,h4 ,r4 #aeie ,report ,no4 #aaf-ajd1 ,"p ,i ,,9 ,,! ,,h\se ,,( ,,repres5tatives ,m>* #g1 #bjai ,mr4 ,p]lmutt] 7= himself1 ,mr4 ,heck1 ,mr4 ,/iv]s1 ,mr4 ,davidson ( ,ohio1 ,mr4 ,aguil>1 ,ms4 ,b>ragn1 ,mr4 ,bey]1 ,mr4 ,blum5au]1 ,ms4 ,bonamici1 ,mr4 ,br5dan ,f4 ,boyle ( ,p5nsylvania1 ,mr4 ,br[n ( ,m>yl&1 ,ms4 ,br[nley ( ,cali=nia1 ,mr4 ,c>bajal1 ,mr4 ,crd5as1 ,mr4 ,c>twright1 ,ms4 ,ca/or ( ,florida1 ,mr4 ,cicill9e1 ,mr4 ,cisn]os1 ,ms4 ,cl>k ( ,massa*usetts1 ,ms4 ,cl>ke ( ,new ,york1 ,mr4 ,coh51 ,mr4 ,coop]1 ,mr4 ,correa1 ,mr4 ,c\rtney1 ,mr4 ,cox ( ,cali=nia1 ,mr4 ,cri/1 ,mr4 ,cr[1 ,mrs4 ,davis ( ,cali=nia1 ,mr4 ,de,fazio1 ,ms4 ,de,gette1 ,ms4 ,de,lauro1 ,ms4 ,del,bene1 ,mr4 ,de,saulnier1 ,ms4 ,e%oo1 ,mr4 ,espaillat1 ,mr4 ,fo/]1 ,ms4 ,fudge1 ,ms4 ,gabb>d1 ,mr4 ,gallego1 ,mr4 ,g>ca ( ,ill9ois1 ,mr4 ,gomez1 ,mr4 ,gonzalez ( ,texas1 ,mr4 ,ha/+s1 ,ms4 ,hill ( ,cali=nia1 ,mr4 ,hors=d1 ,mr4 ,huffman1 ,ms4 ,jackson ,lee1 ,ms4 ,jayapal1 ,mr4 ,johnson ( ,georgia1 ,mr4 ,khanna1 ,mr4 ,kilm]1 ,mrs4 ,kirkpatrick1 ,mr4 ,kri%namoor?i1 ,mr4 ,lawson ( ,florida1 ,ms4 ,lee ( ,cali=nia1 ,mrs4 ,lee ( ,nevada1 ,mr4 ,lev9 ( ,mi*igan1 ,mr4 ,lev9 ( ,cali=nia1 ,mr4 ,t$ ,lieu ( ,cali=nia1 ,mr4 ,lujn1 ,ms4 ,matsui1 ,ms4 ,mc,collum1 ,mr4 ,mc,govern1 ,mr4 ,meeks1 ,mr4 ,neguse1 ,ms4 ,norton1 ,mr4 ,panetta1 ,mr4 ,pappas1 ,ms4 ,p+ree1 ,ms4 ,port]1 ,mr4 ,quigley1 ,mr4 ,rask91 ,mr4 ,ru%1 ,mr4 ,ryan1 ,mr4 ,r\da1 ,ms4 ,s*ak[sky1 ,mr4 ,s*rad]1 ,mr4 ,%]man1 ,mr4 ,sires1 ,mr4 ,smi? ( ,wa%+ton1 ,mr4 ,soto1 ,ms4 ,spei]1 ,mr4 ,swalwell ( ,cali=nia1 ,ms4 ,titus1 ,mrs4 ,torres ( ,cali=nia1 ,mr4 ,v>gas1 ,ms4 ,velzquez1 ,mrs4 ,watson ,coleman1 ,mr4 ,wel*1 ,ms4 ,wild1 ,mr4 ,y>mu?1 ,mr4 ,rodney ,davis ( ,ill9ois1 ,mr4 ,hunt]1 ,mr4 ,joyce ( ,ohio1 ,mr4 ,ne:\se1 ,mr4 ,"y1 ,mr4 ,himes1 ,mr4 ,loebsack1 ,ms4 ,l(gr51 ,mr4 ,l[5?al1 ,mrs4 ,c>olyn ,b4 ,maloney ( ,new ,york1 ,mr4 ,sean ,patrick ,maloney ( ,new ,york1 ,mr4 ,takano1 ,mr4 ,?ompson ( ,cali=nia1 ,mr4 ,gaetz1 ,mr4 ,riggleman1 ,mr4 ,david ,scott ( ,georgia1 ,ms4 ,wat]s1 & ,ms4 ,s*ri]7 introduc$ ! foll[+ bill2 :i* 0 ref]r$ to ! ,committee on ,f9ancial ,s]vices1 & 9 addition to ! ,committee on ! ,judici>y1 = 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$ ,june #e1 #bjai ,additional sponsors3 ,mr4 ,amodei1 ,mr4 ,bald]son1 ,mr4 ,pocan1 ,mr4 ,connolly1 ,mr4 ,mc,clintock1 ,mr4 ,b]a1 ,mr4 ,pascrell1 ,mr4 ,l>son ( ,connecticut1 ,mr4 ,pet]s1 ,mr4 ,/anton1 ,mr4 ,l>s5 ( ,wa%+ton1 ,ms4 ,sn*ez1 ,mr4 ,grijalva1 ,mr4 ,h>d] ( ,cali=nia1 ,mr4 ,san ,nicolas1 ,mr4 ,higg9s ( ,new ,york1 ,mr4 ,gold51 ,mr4 ,case1 ,ms4 ,m5g1 ,mr4 ,ca/ro ( ,texas1 ,mr4 ,m\lton1 ,ms4 ,dean1 ,ms4 ,haal&1 ,mr4 ,evans1 ,ms4 ,ku/] ( ,new ,hamp%ire1 ,mr4 ,kildee1 ,mr4 ,nadl]1 ,mr4 ,ruiz1 ,mr4 ,neal1 ,ms4 ,pressley1 ,mr4 ,lamb1 ,ms4 ,slotk91 ,mr4 ,deut*1 ,mr4 ,mi*ael ,f4 ,doyle ( ,p5nsylvania1 ,mr4 ,clay1 ,ms4 ,/ev5s1 ,ms4 ,wexton1 ,ms4 ,scanlon1 ,ms4 ,bass1 ,mrs4 ,murphy1 ,mrs4 ,lawr5ce1 ,ms4 ,%]rill1 ,mrs4 ,bu/os1 ,mr4 ,mc,nerney1 ,mrs4 ,luria1 ,mr4 ,br9disi1 ,mr4 ,/eube1 ,mr4 ,trone1 ,mr4 ,massie1 ,mr4 ,res*5?al]1 ,mr4 ,norcross1 ,mr4 ,upton1 ,mr4 ,s>banes1 ,mr4 ,banks1 ,ms4 ,f9k5au]1 ,mrs4 ,d+ell1 ,ms4 ,tlaib1 ,ms4 ,davids ( ,kansas1 ,mr4 ,meus]1 ,mr4 ,mal9[ski1 ,mr4 ,arm/rong1 ,mr4 ,vela1 ,mr4 ,bi%op ( ,georgia1 ,mr4 ,gibbs1 ,ms4 ,moore1 ,mrs4 ,axne1 ,mr4 ,delgado1 ,ms4 ,torres ,small ( ,new ,mexico1 ,ms4 ,k5dra ,s4 ,horn ( ,oklahoma1 ,mr4 ,van ,drew1 ,ms4 ,blunt ,ro*e/]1 ,ms4 ,spanb]g]1 ,ms4 ,h\lahan1 ,mr4 ,k5n$y1 ,ms4 ,und]wood1 ,mr4 ,jeffries1 ,mr4 ,com]1 ,mr4 ,g>am5di1 ,miss ,gonzlez-,coln ( ,pu]to ,rico1 ,mr4 ,tonko1 ,mr4 ,bacon1 ,mr4 ,payne1 ,mr4 ,?ompson ( ,mississippi1 ,ms4 ,muc>sel-,p[ell1 ,mr4 ,s*iff1 ,ms4 ,%alala1 ,ms4 ,judy ,*u ( ,cali=nia1 ,ms4 ,roybal-,all>d1 ,ms4 ,escob>1 ,ms4 ,adams1 ,ms4 ,frankel1 ,mr4 ,ca/5 ( ,ill9ois1 ,mr4 ,graves ( ,georgia1 ,mr4 ,coll9s ( ,new ,york1 ,mr4 ,gonzalez ( ,ohio1 ,mr4 ,morelle1 ,mr4 ,cleav]1 & ,mr4 ,co/a ,june #e1 #bjai ,report$ f ! ,committee on ,f9ancial ,s]vices ) an am5dm5t ,/rike out all aft] ! enact+ clause & ins]t ! "p pr9t$ 9 italic ,june #e1 #bjai;,committee on ! ,judici>y dis*>g$2 committ$ to ! ,committee ( ! ,:ole ,h\se on ! ,/ate ( ! ,union & ord]$ to be printed,for text ( introduc$ bill1 see copy ( bill z introduc$ on ,m>* #g1 #bjai ,a ,,bill ,to create protections = depository in/itutions t provide f9ancial s]vices to cannabis-relat$ legitimate bus9esses & s]vice provid]s = su* bus9esses1 & = o!r purposes4 #a4 ,%ort title2 purpose 7a7 ,%ort title ,?is ,act may be cit$ z ! ,secure ,& ,fair ,en=cem5t ,bank+ ,act ( #bjai or ! ,,safe ,bank+ ,act ( #bjai4 7b7 ,purpose ,! purpose ( ?is ,act is to increase public safety by ensur+ access to f9ancial s]vices to cannabis-relat$ legitimate bus9esses & s]vice provid]s & r$uc+ ! am\nt ( ca% at su* bus9esses4 #b4 ,safe h>bor = depository in/itutions 7a7 ,9 g5]al ,a ,f$]al bank+ regulator may n-- 7#a7 t]m9ate or limit ! deposit insurance or %>e insurance ( a depository in/itution "u ! ,f$]al ,deposit ,insurance ,act 7#ab ,u4,s4,c4 #ahaa et seq471 ! ,f$]al ,cr$it ,union ,act 7#ab ,u4,s4,c4 #agea et seq471 or take any o!r adv]se action aga9/ a depository in/itution "u section #h ( ! ,f$]al ,deposit ,insurance ,act 7#ab ,u4,s4,c4 #ahah7 solely because ! depository in/itution provides or has provid$ f9ancial s]vices to a cannabis-relat$ legitimate bus9ess or s]vice provid]2 7#b7 prohibit1 p5alize1 or o!rwise disc\rage a depository in/itution f provid+ f9ancial s]vices to a cannabis-relat$ legitimate bus9ess or s]vice provid] or to a ,/ate1 political subdivision ( a ,/ate1 or ,indian ,tribe t ex]cises jurisdiction ov] cannabis-relat$ legitimate bus9esses2 7#c7 recomm5d1 inc5tivize1 or enc\rage a depository in/itution n to (f] f9ancial s]vices to an acc\nt hold]1 or to d[ngrade or cancel ! f9ancial s]vices (f]$ to an acc\nt hold] solely because-- 7,a7 ! acc\nt hold] is a cannabis-relat$ legitimate bus9ess or s]vice provid]1 or is an employee1 own]1 or op]ator ( a cannabis-relat$ legitimate bus9ess or s]vice provid]2 7,b7 ! acc\nt hold] lat] becomes an employee1 own]1 or op]ator ( a cannabis-relat$ legitimate bus9ess or s]vice provid]2 or 7,c7 ! depository in/itution 0 n aw>e t ! acc\nt hold] is an employee1 own]1 or op]ator ( a cannabis-relat$ legitimate bus9ess or s]vice provid]2 7#d7 take any adv]se or corrective sup]visory action on a loan made to-- 7,a7 a cannabis-relat$ legitimate bus9ess or s]vice provid]1 solely because ! bus9ess is a cannabis-relat$ legitimate bus9ess or s]vice provid]2 7,b7 an employee1 own]1 or op]ator ( a cannabis-relat$ legitimate bus9ess or s]vice provid]1 solely because ! employee1 own]1 or op]ator is employ$ by1 owns1 or op]ates a cannabis-relat$ legitimate bus9ess or s]vice provid]1 z applicable2 or 7,c7 an own] or op]ator ( real e/ate or equipm5t t is leas$ to a cannabis-relat$ legitimate bus9ess or s]vice provid]1 solely because ! own] or op]ator ( ! real e/ate or equipm5t leas$ ! equipm5t or real e/ate to a cannabis-relat$ legitimate bus9ess or s]vice provid]1 z applicable2 or 7#e7 prohibit or p5alize a depository in/itution 7or entity p]=m+ a f9ancial s]vice = or 9 association ) a depository in/itution7 =1 or o!rwise disc\rage a depository in/itution 7or entity p]=m+ a f9ancial s]vice = or 9 association ) a depository in/itution7 f1 engag+ 9 a f9ancial s]vice = a cannabis-relat$ legitimate bus9ess or s]vice provid]4 7b7 ,safe h>bor applicable to de novo in/itutions ,subsection 7a7 %all apply to an in/itution apply+ = a depository in/itution *>t] to ! same ext5t z su* subsection applies to a depository in/itution4 #c4 ,protections = ancill>y bus9esses ,= purposes ( sections #aief & #aieg ( title #ah1 ,unit$ ,/ates ,code1 & all o!r provisions ( ,f$]al law1 ! proce$s f a transaction conduct$ by a cannabis-relat$ legitimate bus9ess or s]vice provid] %all n be consid]$ z proce$s f an unlawful activity solely because ! transaction 0 conduct$ by a cannabis-relat$ legitimate bus9ess or s]vice provid]1 z applicable4 #d4 ,protections "u ,f$]al law 7a7 ,9 g5]al ,) respect to provid+ a f9ancial s]vice to a cannabis-relat$ legitimate bus9ess or s]vice provid] )9 a ,/ate1 political subdivision ( a ,/ate1 or ,indian c\ntry t all[s ! cultivation1 production1 manufacture1 sale1 transportation1 display1 disp5s+1 di/ribution1 or pur*ase ( cannabis pursuant to a law or regulation ( su* ,/ate1 political subdivision1 or ,indian ,tribe t has jurisdiction ov] ! ,indian c\ntry1 z applicable1 a depository in/itution1 entity p]=m+ a f9ancial s]vice = or 9 association ) a depository in/itution1 or insur] t provides a f9ancial s]vice to a cannabis-relat$ legitimate bus9ess or s]vice provid]1 & ! (fic]s1 directors1 & employees ( t depository in/itution1 entity1 or insur] may n be held liable pursuant to any ,f$]al law or regulation-- 7#a7 solely = provid+ su* a f9ancial s]vice2 or 7#b7 = fur!r inve/+ any income d]iv$ f su* a f9ancial s]vice4 7b7 ,protections = ,f$]al res]ve banks ,) respect to provid+ a s]vice to a depository in/itution t provides a f9ancial s]vice to a cannabis-relat$ legitimate bus9ess or s]vice provid] 7:]e su* f9ancial s]vice is provid$ )9 a ,/ate1 political subdivision ( a ,/ate1 or ,indian c\ntry t all[s ! cultivation1 production1 manufacture1 sale1 transportation1 display1 disp5s+1 di/ribution1 or pur*ase ( cannabis pursuant to a law or regulation ( su* ,/ate1 political subdivision1 or ,indian ,tribe t has jurisdiction ov] ! ,indian c\ntry1 z applicable71 a ,f$]al res]ve bank1 & ! (fic]s1 directors1 & employees ( ! ,f$]al res]ve bank1 may n be held liable pursuant to any ,f$]al law or regulation-- 7#a7 solely = provid+ su* a s]vice2 or 7#b7 = fur!r inve/+ any income d]iv$ f su* a s]vice4 7c7 ,=feiture 7#a7 ,depository in/itutions ,a depository in/itution t has a legal int]e/ 9 ! collat]al = a loan or ano!r f9ancial s]vice provid$ to an own]1 employee1 or op]ator ( a cannabis-relat$ legitimate bus9ess or s]vice provid]1 or to an own] or op]ator ( real e/ate or equipm5t t is leas$ or sold to a cannabis-relat$ legitimate bus9ess or s]vice provid]1 %all n be subject to crim9al1 civil1 or adm9i/rative =feiture ( t legal int]e/ pursuant to any ,f$]al law = provid+ su* loan or o!r f9ancial s]vice4 7#b7 ,f$]al res]ve banks ,a ,f$]al res]ve bank t has a legal int]e/ 9 ! collat]al = a loan or ano!r f9ancial s]vice provid$ to an own]1 employee1 or op]ator ( a depository in/itution t provides a f9ancial s]vices to a cannabis-relat$ legitimate bus9ess or s]vice provid]1 or to an own] or op]ator ( real e/ate or equipm5t t is leas$ or sold to su* a depository in/itution1 %all n be subject to crim9al1 civil1 or adm9i/rative =feiture ( t legal int]e/ pursuant to any ,f$]al law = provid+ su* loan or o!r f9ancial s]vice4 #e4 ,rule ( con/ruction ,no?+ 9 ?is ,act %all require a depository in/itution1 entity p]=m+ a f9ancial s]vice = or 9 association ) a depository in/itution1 or insur] to provide f9ancial s]vices to a cannabis-relat$ legitimate bus9ess or s]vice provid]4 #f4 ,requirem5ts = fil+ suspici\s activity reports ,section #ecah7;g7 ( title #ca1 ,unit$ ,/ates ,code1 is am5d$ by add+ at ! end ! foll[+3 7#e7 ,requirem5ts = cannabis-relat$ legitimate bus9esses 7,a7 ,9 g5]al ,) respect to a f9ancial in/itution or any director1 (fic]1 employee1 or ag5t ( a f9ancial in/itution t reports a suspici\s transaction pursuant to ?is subsection1 if ! reason = ! report relates to a cannabis-relat$ legitimate bus9ess or s]vice provid]1 ! report %all comply ) appropriate guidance issu$ by ! ,f9ancial ,crimes ,en=cem5t ,network4 ,! ,secret>y %all ensure t ! guidance is consi/5t ) ! purpose & int5t ( ! ,,safe ,bank+ ,act ( #bjai & does n significantly inhibit ! provision ( f9ancial s]vices to a cannabis-relat$ legitimate bus9ess or s]vice provid] 9 a ,/ate1 political subdivision ( a ,/ate1 or ,indian c\ntry t has all[$ ! cultivation1 production1 manufacture1 transportation1 display1 disp5s+1 di/ribution1 sale1 or pur*ase ( cannabis pursuant to law or regulation ( su* ,/ate1 political subdivision1 or ,indian ,tribe t has jurisdiction ov] ! ,indian c\ntry4 7,b7 ,def9itions ,= purposes ( ?is p>agraph3 7i7 ,cannabis ,! t]m cannabis has ! mean+ giv5 ! t]m m>ihuana 9 section #ajb ( ! ,controll$ ,sub/ances ,act 7#ba ,u4,s4,c4 #hjb74 7ii7 ,cannabis-relat$ legitimate bus9ess ,! t]m cannabis-relat$ legitimate bus9ess has ! mean+ giv5 t t]m 9 section #aa ( ! ,,safe ,bank+ ,act ( #bjai4 7iii7 ,indian c\ntry ,! t]m ,indian c\ntry has ! mean+ giv5 t t]m 9 section #aaea ( title #ah4 7iv7 ,indian ,tribe ,! t]m ,indian ,tribe has ! mean+ giv5 t t]m 9 section #ajb ( ! ,f$]ally ,recogniz$ ,indian ,tribe ,li/ ,act ( #aiid 7#be ,u4,s4,c4 #dgi;a74 7v7 ,f9ancial s]vice ,! t]m f9ancial s]vice has ! mean+ giv5 t t]m 9 section #aa ( ! ,,safe ,bank+ ,act ( #bjai4 7vi7 ,s]vice provid] ,! t]m s]vice provid] has ! mean+ giv5 t t]m 9 section #aa ( ! ,,safe ,bank+ ,act ( #bjai4 7vii7 ,/ate ,! t]m ,/ate means ea* ( ! sev]al ,/ates1 ! ,di/rict ( ,columbia1 ,pu]to ,rico1 & any t]ritory or possession ( ! ,unit$ ,/ates4 4 #g4 ,guidance & exam9ation proc$ures ,n lat] ?an #ahj days aft] ! date ( enactm5t ( ?is ,act1 ! ,f9ancial ,in/itutions ,exam9ation ,c\ncil %all develop uni=m guidance & exam9ation proc$ures = depository in/itutions t provide f9ancial s]vices to cannabis-relat$ legitimate bus9esses & s]vice provid]s4 #h4 ,annual div]sity & inclusion report ,! ,f$]al bank+ regulators %all issue an annual report to ,congress conta9+-- 7#a7 in=mation & data on ! availability ( access to f9ancial s]vices = m9ority-own$ & wom5-own$ cannabis-relat$ legitimate bus9esses2 & 7#b7 any regulatory or legislative recomm5dations = exp&+ access to f9ancial s]vices = m9ority-own$ & wom5-own$ cannabis-relat$ legitimate bus9esses4 #i4 ,,gao /udy on div]sity & inclusion 7a7 ,/udy ,! ,comptroll] ,g5]al ( ! ,unit$ ,/ates %all c>ry out a /udy on ! b>ri]s to m>ketplace entry1 includ+ 9 ! lic5s+ process1 & ! access to f9ancial s]vices = pot5tial & exi/+ m9ority-own$ & wom5-own$ cannabis-relat$ legitimate bus9esses4 7b7 ,report ,! ,comptroll] ,g5]al %all issue a report to ! ,congress-- 7#a7 conta9+ all f9d+s & det]m9ations made 9 c>ry+ out ! /udy requir$ "u subsection 7a72 & 7#b7 conta9+ any regulatory or legislative recomm5dations = remov+ b>ri]s to m>ketplace entry1 includ+ 9 ! lic5s+ process1 & exp&+ access to f9ancial s]vices = pot5tial & exi/+ m9ority-own$ & wom5-own$ cannabis-relat$ legitimate bus9esses4 #aj4 ,,gao /udy on effectiv5ess ( c]ta9 reports on f9d+ c]ta9 p]sons ,n lat] ?an #b ye>s aft] ! date ( ! enactm5t ( ?is ,act1 ! ,comptroll] ,g5]al ( ! ,unit$ ,/ates %all c>ry out a /udy on ! effectiv5ess ( reports on suspici\s transactions fil$ pursuant to section #ecah7;g7 ( title #ca1 ,unit$ ,/ates ,code1 at f9d+ individuals or organizations suspect$ or kn[n to be engag$ ) transnational crim9al organizations & :e!r any su* engagem5t exi/s 9 a ,/ate1 political subdivision1 or ,indian ,tribe t has jurisdiction ov] ,indian c\ntry t all[s ! cultivation1 production1 manufacture1 sale1 transportation1 display1 disp5s+1 di/ribution1 or pur*ase ( cannabis4 ,! /udy %all exam9e reports on suspici\s transactions z foll[s3 7#a7 ,dur+ ! p]iod ( #bjad until ! date ( ! enactm5t ( ?is ,act1 reports relat+ to m>ijuana-relat$ bus9esses4 7#b7 ,dur+ ! #a-ye> p]iod aft] date ( ! enactm5t ( ?is ,act1 reports relat+ to cannabis-relat$ legitimate bus9esses4 #aa4 ,def9itions ,9 ?is ,act3 7#a7 ,bus9ess ( insurance ,! t]m bus9ess ( insurance has ! mean+ giv5 su* t]m 9 section #ajjb ( ! ,dodd-,frank ,wall ,/reet ,re=m & ,consum] ,protection ,act 7#ab ,u4,s4,c4 #edha74 7#b7 ,cannabis ,! t]m cannabis has ! mean+ giv5 ! t]m m>ihuana 9 section #ajb ( ! ,controll$ ,sub/ances ,act 7#ba ,u4,s4,c4 #hjb74 7#c7 ,cannabis product ,! t]m cannabis product means any article :i* conta9s cannabis1 includ+ an article :i* is a conc5trate1 an edible1 a t9cture1 a cannabis-infus$ product1 or a topical4 7#d7 ,cannabis-relat$ legitimate bus9ess ,! t]m cannabis-relat$ legitimate bus9ess means a manufactur]1 produc]1 or any p]son or company t-- 7,a7 engages 9 any activity describ$ 9 subp>agraph 7,b7 pursuant to a law e/abli%$ by a ,/ate or a political subdivision ( a ,/ate1 z det]m9$ by su* ,/ate or political subdivision2 & 7,b7 p>ticipates 9 any bus9ess or organiz$ activity t involves h&l+ cannabis or cannabis products1 includ+ cultivat+1 produc+1 manufactur+1 sell+1 transport+1 display+1 disp5s+1 di/ribut+1 or pur*as+ cannabis or cannabis products4 7#e7 ,depository in/itution ,! 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 #ageb74 7#f7 ,f$]al bank+ regulator ,! t]m ,f$]al bank+ regulator means ea* ( ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em1 ! ,bureau ( ,consum] ,f9ancial ,protection1 ! ,f$]al ,deposit ,insurance ,corporation1 ! ,f9ancial ,crimes ,en=cem5t ,network1 ! ,(fice ( ,=eign ,asset ,control1 ! ,(fice ( ! ,comptroll] ( ! ,curr5cy1 ! ,national ,cr$it ,union ,adm9i/ration1 ! ,dep>tm5t ( ! ,treasury1 or any ,f$]al ag5cy or dep>tm5t t regulates bank+ or f9ancial s]vices1 z det]m9$ by ! ,secret>y ( ! ,treasury4 7#g7 ,f9ancial s]vice ,! t]m f9ancial s]vice-- 7,a7 means a f9ancial product or s]vice1 z def9$ 9 section #ajjb ( ! ,dodd-,frank ,wall ,/reet ,re=m & ,consum] ,protection ,act 7#ab ,u4,s4,c4 #edha72 7,b7 includes ! bus9ess ( insurance2 7,c7 includes1 :e!r p]=m$ directly or indirectly1 ! au?oriz+1 process+1 cle>+1 settl+1 bill+1 transf]r+ = deposit1 transmitt+1 deliv]+1 in/ruct+ to be deliv]$1 reconcil+1 collect+1 or o!rwise effectuat+ or facilitat+ ( paym5ts or funds1 :]e su* paym5ts or funds are made or transf]r$ by any means1 includ+ by ! use ( cr$it c>ds1 debit c>ds1 o!r paym5t c>ds1 or o!r access devices1 acc\nts1 orig9al or sub/itute *ecks1 or electronic funds transf]s2 7,d7 includes act+ z a money transmitt+ bus9ess :i* directly or indirectly makes use ( a depository in/itution 9 connection ) effectuat+ or facilitat+ a paym5t = a cannabis-relat$ legitimate bus9ess or s]vice provid] 9 compliance ) section #eccj ( title #ca1 ,unit$ ,/ates ,code1 & any applicable ,/ate law2 & 7,e7 includes act+ z an armor$ c> s]vice = process+ & deposit+ ) a depository in/itution or ! ,bo>d ( ,gov]nors ( ! ,f$]al ,res]ve ,sy/em ) respect to any monet>y in/rum5ts 7z def9$ "u section #aief7;c77#e7 ( title #ah1 ,unit$ ,/ates ,code4 7#h7 ,indian c\ntry ,! t]m ,indian c\ntry has ! mean+ giv5 t t]m 9 section #aaea ( title #ah4 7#i7 ,indian ,tribe ,! t]m ,indian ,tribe has ! mean+ giv5 t t]m 9 section #ajb ( ! ,f$]ally ,recogniz$ ,indian ,tribe ,li/ ,act ( #aiid 7#be ,u4,s4,c4 #dgi;a74 7#aj7 ,insur] ,! t]m insur] has ! mean+ giv5 t t]m "u section #cac7r7 ( title #ca1 ,unit$ ,/ates ,code4 7#aa7 ,manufactur] ,! t]m manufactur] means a p]son :o manufactures1 comp\nds1 conv]ts1 processes1 prep>es1 or packages cannabis or cannabis products4 7#ab7 ,produc] ,! t]m produc] means a p]son :o plants1 cultivates1 h>ve/s1 or 9 any way facilitates ! natural gr[? ( cannabis4 7#ac7 ,s]vice provid] ,! t]m s]vice provid]-- 7,a7 means a bus9ess1 organization1 or o!r p]son t-- 7i7 sells goods or s]vices to a cannabis-relat$ legitimate bus9ess2 or 7ii7 provides any bus9ess s]vices1 includ+ ! sale or lease ( real or any o!r prop]ty1 legal or o!r lic5s$ s]vices1 or any o!r ancill>y s]vice1 relat+ to cannabis2 & 7,b7 does n include a bus9ess1 organization1 or o!r p]son t p>ticipates 9 any bus9ess or organiz$ activity t involves h&l+ cannabis or cannabis products1 includ+ cultivat+1 produc+1 manufactur+1 sell+1 transport+1 display+1 disp5s+1 di/ribut+1 or pur*as+ cannabis or cannabis products4 7#ad7 ,/ate ,! t]m ,/ate means ea* ( ! sev]al ,/ates1 ! ,di/rict ( ,columbia1 ,pu]to ,rico1 & any t]ritory or possession ( ! ,unit$ ,/ates4 ,june #e1 #bjai,report$ f ! ,committee on ,f9ancial ,s]vices ) an amendment,june #e1 #bjai ,committee on ! ,judici>y dis*>g$2 committ$ to ! ,committee ( ! ,:ole ,h\se on ! ,/ate ( ! ,union & ord]$ to be pr9t$