#aaf? ,,congress  #a/ ,session  ,h4 ,r4 
#bfac  ,,an ,,act  ,to require !        
,director ( ! ,f9ancial ,crimes         
,en=cem5t ,network to c>ry out a /udy on
 ! use ( em]g+ te*nologies )9 !         
,f9ancial ,crimes ,en=cem5t ,network1 & 
= o!r purposes4  #a4 ,%ort title ,?is   
,act may be cit$ z ! ,advanc+           
,innovation to ,assi/ ,law ,en=cem5t    
,act4  #b4 ,fin,c,e,n /udy on use (     
em]g+ te*nologies  7a7 ,/udy  7#a7 ,9   
g5]al ,! ,director ( ! ,f9ancial ,crimes
 ,en=cem5t ,network 7,fin,c,e,n7 %all   
c>ry out a /udy on--  7,a7 ! /atus (    
implem5tation & int]nal use ( em]g+     
te*nologies1 includ+ artificial         
intellig5ce 7,,ai71 digital id5tity     
te*nologies1 block*a9 te*nologies1 & o!r
 innovative te*nologies )9 ,fin,c,e,n2  
7,b7 :e!r ,,ai1 digital id5tity         
te*nologies1 block*a9 te*nologies1 & o!r
 innovative te*nologies c be fur!r      
lev]ag$ to make ,fin,c,e,n's data       
analysis m effici5t & effective2 &  7,c7
 h[ ,fin,c,e,n c\ld bett] utilize ,,ai1 

digital id5tity te*nologies1 block*a9   
te*nologies1 & o!r innovative           
te*nologies to m actively analyze &     
dissem9ate ! in=mation x collects &     
/ores to provide inve/igative leads to  
,f$]al1 ,/ate1 ,tribal1 & local law     
en=cem5t1 & o!r ,f$]al ag5cies          
7collective1 ,ag5cies71 & bett] support 
its ongo+ inve/igations :5 ref]r+ a case
 to ! ,ag5cies4  7#b7 ,inclusion ( ,,gto
 data ,! /udy requir$ "u ?is subsection 
%all include data collect$ ?r\gh !      
,geographic ,t>get+ ,ord]s 7,,gto7      
program4  7b7 ,report ,n lat] ?an ! end 
( ! #f-mon? p]iod beg9n+ on ! date ( !  
enactm5t ( ?is ,act1 ! ,director %all   
issue a report to ! ,committee on       
,bank+1 ,h\s+1 & ,urban ,affairs ( !    
,s5ate & ! ,committee on ,f9ancial      
,s]vices ( ! ,h\se ( ,repres5tatives    
conta9+-- 7#a7 all f9d+s & det]m9ations 
made 9 c>ry+ out ! /udy requir$ "u      
subsection 7a72  7#b7 ) respect to ea* (
 subp>agraphs 7,a71 7,b71 & 7,c7 (      
subsection 7a77#a71 any be/ practices or

 significant conc]ns id5tifi$ by !      
,director1 & _! applicability to ,,ai1  
digital id5tity te*nologies1 block*a9   
te*nologies1 & o!r innovative           
te*nologies ) respect to ,unit$ ,/ates  
ef=ts to combat money laund]+ & o!r =ms 
( illicit f9ance2 &  7#c7 any policy    
recomm5dations t c\ld facilitate &      
improve communication & coord9ation     
betwe5 ! private sector1 ,fin,c,e,n1 &  
,ag5cies ?r\gh ! implem5tation (        
innovative approa*es1 9 ord] to meet _! 
,bank ,secrecy ,act 7z def9$ "u section 
#ecab ( title #ca1 ,unit$ ,/ates ,code7 
& anti-money laund]+ compliance         
obligations4  7c7 ,bank ,secrecy ,act   
def9$ ,= purposes ( ?is section1 ! t]m  
,bank ,secrecy ,act means-- 7#a7        
sub*apt] ,,ii ( *apt] #ec ( title #ca1  
,unit$ ,/ates ,code2  7#b7 section #ba (
 ! ,f$]al ,deposit ,insurance ,act2 &   
7#c7 *apt] #b ( title ,i ( ,public ,law 
#ia-ejh4  ,pass$ ! ,h\se (              
,repres5tatives ,septemb] #ai1          
#bjai4;,cl]k4