,i  #aaf? ,,congress  #b;d ,session  ,h4
 ,r4 #gdbb  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,june #cj1 #bjbj,ms4  
,gabb>d introduc$ ! foll[+ bill2 :i* 0  
ref]r$ to ! ,committee on ,f9ancial     
,s]vices  ,a ,,bill  ,to require !      
,f$]al f9ancial regulators to issue     
guidance to enc\rage depository         
in/itutions to e/abli% programs to      
educate cu/om]s at risk ( unwitt+ly     
becom+ money mules4  #a4 ,%ort title    
,?is ,act may be cit$ z ! ,money ,mule  
,aw>5ess ,act4  #b4 ,f9d+s ,congress    
f9ds ! foll[+3 7#a7 ,crim9als frequ5tly 
recruit unwitt+ p>ticipants to move &   
hide illicit funds ?r\gh ! ,u4,s4       
f9ancial sy/em4  7#b7 ,! ,f$]al ,trade  
,commission has issu$ mat]ials to help  
educate consum]s ab\t money mule s*emes4
  7#c7 ,9 ,april #bjbj1 ! ,f$]al ,bureau
 ( ,inve/igation issu$ a w>n+ & guidance
 to ! public ( money mule s*emes        
exploit+ ! ,,covid-#ai p&emic4  7#d7    
,depository f9ancial in/itutions c be   
unwitt+ p>ticipants 9 fraudul5t         

transactions by money mules & %\ld be   
enc\rag$ to educate at-risk cu/om]s (   
money mule s*emes4  #c4 ,guidance on    
money mule education programs  7a7      
,guidance ,! ,f$]al f9ancial regulators 
%all1 jo9tly1 issue guidance to enc\rage
 depository in/itutions to e/abli%      
programs to educate cu/om]s at risk (   
unwitt+ly becom+ money mules4  7b7      
,consultation ,9 issu+ ! guidance       
requir$ "u subsection 7a71 ! ,f$]al     
f9ancial regulators %all consult ) !    
,attorney ,g5]al1 ! ,director ( ! ,f$]al
 ,bureau ( ,inve/igation1 ! ,director ( 
! ,unit$ ,/ates ,secret ,s]vice1 & !    
,f$]al ,trade ,commission4  7c7         
,def9itions ,9 ?is section3 7#a7        
,depository in/itution ,! t]m depository
 in/itution-- 7,a7 has ! mean+ giv5 t   
t]m "u section #c ( ! ,f$]al ,deposit   
,insurance ,act2 &  7,b7 means a ,/ate  
cr$it union & a ,f$]al cr$it union1 z   
su* t]ms are def9$ "u section #aja ( !  
,f$]al ,cr$it ,union ,act4  7#b7 ,f$]al 
f9ancial regulators ,! t]m ,f$]al       

f9ancial regulators means ! ,bo>d (     
,gov]nors ( ! ,f$]al ,res]ve ,sy/em1 !  
,comptroll] ( ! ,curr5cy1 ! ,director ( 
! ,f9ancial ,crimes ,en=cem5t ,network1 
! ,f$]al ,deposit ,insurance            
,corporation1 & ! ,national ,cr$it      
,union ,adm9i/ration ,bo>d4  7#c7 ,money
 mule ,! t]m money mule means a p]son :o
 transf]s illegally acquir$ money on    
behalf ( or at ! direction ( ano!r4