,i  #aaf? ,,congress  #b;d ,session  ,h4
 ,r4 #hhaf  ,,9 ,,! ,,h\se ,,(          
,,repres5tatives  ,novemb] #bd1         
#bjbj,mr4 ,mc,adams 7= himself & ,mr4   
,gonzalez ( ,ohio7 introduc$ ! foll[+   
bill2 :i* 0 ref]r$ to ! ,committee on   
,f9ancial ,s]vices1 & 9 addition to !   
,committee on ,ways & ,means1 = 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$  ,a ,,bill  ,to am5d  
sub*apt] ,,ii ( *apt] #ec ( title #ca1  
,unit$ ,/ates ,code1 to require tra9+ = 
,bank ,secrecy ,act ,f$]al exam9]s on   
anti-money laund]+ & c\nt]+ ! f9anc+ (  
t]rorism1 & = o!r purposes4  #a4 ,%ort  
title ,?is ,act may be cit$ z !         
,anti-,money ,laund]+ ,tra9+ ,improvem5t
 ,act4  #b4 ,tra9+ = ,f$]al exam9]s  7a7
 ,9 g5]al ,sub*apt] ,,ii ( *apt] #ec (  
title #ca1 ,unit$ ,/ates ,code1 is am5d$
 by add+ at ! end ! foll[+3  #eccc      
,tra9+ reg>d+ anti-money laund]+ &      
c\nt]+ ! f9anc+ ( t]rorism  7a7 ,tra9+  

requirem5t ,ea* ,f$]al exam9] review+   
compliance ) ! ,bank ,secrecy ,act %all 
att5d appropriate annual tra9+1 z       
det]m9$ by ! ,secret>y ( ! ,treasury1   
relat+ to anti-money laund]+ activities 
& c\nt]+ ! f9anc+ ( t]rorism4  7b7      
,requir$ topics ,! tra9+ describ$ 9     
subsection 7a7 %all address-- 7#a7 risk 
pr(iles & w>n+ signs t an exam9] may    
enc\nt] dur+ exam9ations2  7#b7 f9ancial
 crime patt]ns & tr5ds2  7#c7 backgr\nd 
on ! risks anti-money laund]+ programs &
 c\nt]+ ! f9anc+ ( t]rorism programs    
seek to mitigate & ! importance ( ^!    
programs = law en=cem5t & national      
security ag5cies2 &  7#d7 de-risk+ & !  
effect ( de-risk+ on ! provision (      
f9ancial s]vices4  7c7 ,tra9+ mat]ials &
 /&>ds ,! ,secret>y ( ! ,treasury %all1 
9 consultation ) ! ,f9ancial            
,in/itutions ,exam9ation ,c\ncil1 !     
,f9ancial ,crimes ,en=cem5t ,network1 & 
,f$]al1 ,/ate1 ,tribal1 & local law     
en=cem5t ag5cies1 e/abli% appropriate   
tra9+ mat]ials & /&>ds = ! tra9+ requir$

 by subsection 7a74  7d7 ,bank ,secrecy 
,act ,def9$ ,= ! purposes ( ?is section1
 ! t]m ,bank ,secrecy ,act means-- 7#a7 
section #ba ( ! ,f$]al ,deposit         
,insurance ,act 7#ab ,u4,s4,c4 #ahbi;b72
  7#b7 *apt] #b ( title ,i ( ,public    
,law #ia-ejh 7#ab ,u4,s4,c4 #aiea et    
seq472 &  7#c7 ?is sub*apt]4  4  7b7    
,cl]ical am5dm5t ,! table ( sections =  
*apt] #ec ( title #ca1 ,unit$ ,/ates    
,code1 is am5d$ by add+ aft] ! item     
relat+ to section #eccb ! foll[+3       
#eccc4 ,tra9+ reg>d+ anti-money laund]+ 
& c\nt]+ ! f9anc+ ( t]rorism4  4  #c4   
,int]ag5cy p]sonnel rotation program    
7a7 ,9 g5]al ,! ,secret>y %all n lat]   
?an #ahj days aft] ! date ( ! enactm5t (
 ?is ,act e/abli% a p]sonnel rotation   
program design$ to promote great]       
effectiv5ess & effici5cy 9 combat+ money
 laund]+1 ! f9anc+ ( t]rorism1          
prolif]ation f9anc+1 s]i\s tax fraud1   
traffick+1 sanctions evasion1 & o!r     
f9ancial crimes4  7b7 ,p>ticipat+       
ag5cies ,! p]sonnel rotation program    

describ$ 9 subsection 7a7 %all rotate   
p]sonnel f-- 7#a7 any ,f$]al functional 
regulator2  7#b7 ! ,dep>tm5t ( ,ju/ice2 
7#c7 ! ,f$]al ,bureau ( ,inve/igation2  
7#d7 ! ,dep>tm5t ( ,homel& ,security2   
7#e7 ! ,dep>tm5t ( ,def5se2 &  7#f7 o!r 
,f$]al ag5cies z ! ,secret>y ( !        
,treasury det]m9es necess>y to fur!r    
anti-money laund]+ & c\nt]+ ! f9anc+ (  
t]rorism ef=ts4  7c7 ,f$]al functional  
regulator def9$ ,= ! purposes ( ?is     
section1 ! t]m ,f$]al functional        
regulator-- 7#a7 has ! mean+ giv5 ! t]m 
9 section #eji ( ! ,gramm-,lea*-,bliley 
,act 7#ae ,u4,s4,c4 #fhji72 &  7#b7     
includes any ,f$]al regulator t exam9es 
a f9ancial in/itution = compliance ) !  
,bank ,secrecy ,act4