,,ii ,cal5d> ,no4 #afj #aaf? ,,congress 
#a/ ,session  ,s4 #ahhc  ,,9 ,,! ,,s5ate
 ,,( ,,! ,,unit$ ,,/ates  ,june #ah1    
#bjai,mr4 ,grassley 7= himself1 ,mrs4   
,fe9/e91 ,mr4 ,cornyn1 ,mr4 ,:iteh\se1 &
 ,ms4 ,klobu*>7 introduc$ ! foll[+ bill2
 :i* 0 read twice & ref]r$ to !         
,committee on ! ,judici>y  ,july #bc1   
#bjai,report$ by ,mr4 ,graham1 ) an     
amendment,strike out all aft] ! enact+  
clause & ins]t ! "p pr9t$ 9 italic  ,a  
,,bill  ,to improve ! prohibitions on   
money laund]+1 & = o!r purposes4  #a4   
,%ort title2 table ( cont5ts  7a7 ,%ort 
title ,?is ,act may be cit$ z ! ,combat+
 ,money ,laund]+1 ,t]rori/ ,f9anc+1 &   
,c\nt]feit+ ,act ( #bjai4  7b7 ,table ( 
cont5ts ,! table ( cont5ts = ?is ,act is
 z foll[s3 ,sec4 #a4 ,%ort title2 table 
( cont5ts4,sec4 #b4 ,transportation or  
tran%ipm5t ( blank *ecks 9 be>] =m4,sec4
 #c4 ,bulk ca% smuggl+4,sec4 #d4        
,section #aieg violations involv+       
comm+l$ funds & aggregat$               
transactions4,sec4 #e4 ,*>g+ money      

laund]+ z a c\rse ( conduct4,sec4 #f4   
,illegal money s]vices bus9esses4,sec4  
#g4 ,concealm5t money laund]+4,sec4 #h4 
,freez+ bank acc\nts ( p]sons arre/$ =  
(f5ses involv+ ! movem5t ( money across 
int]national bord]s4,sec4 #i4 ,prohibit+
 money laund]+ ?r\gh hawalas1 o!r in=mal
 value transf] sy/ems1 & closely relat$ 
transactions4,sec4 #aj4 ,te*nical       
am5dm5t to re/ore wiretap au?ority =    
c]ta9 money laund]+ & c\nt]feit+        
(f5ses4,sec4 #aa4 ,mak+ ! int]national  
money laund]+ /atute apply to tax       
evasion4,sec4 #ab4 ,conduct 9 aid (     
c\nt]feit+4,sec4 #ac4 ,adm9i/rative     
subpo5as = money laund]+ cases4,sec4    
#ad4 ,obta9+ =eign bank records f banks 
) ,unit$ ,/ates correspond5t            
acc\nts4,sec4 #ae4 ,dang] pay           
all[ance4,sec4 #af4 ,cl>ification (     
,secret ,s]vice au?ority to inve/igate  
money laund]+4,sec4 #ag4 ,prohibition on
 concealm5t ( own]%ip ( acc\nt4,sec4    
#ah4 ,prohibition on concealm5t ( !     
s\rce ( assets 9 monet>y                

transactions4,sec4 #ai4 ,rule (         
con/ruction4  #b4 ,transportation or    
tran%ipm5t ( blank *ecks 9 be>] =m      
,section #ecaf ( title #ca1 ,unit$      
,/ates ,code1 is am5d$ by add+ at ! end 
! foll[+3  7e7 ,monet>y in/rum5ts )     
am\nt left blank ,= purposes ( ?is      
section1 a monet>y in/rum5t 9 be>] =m t 
has ! am\nt left blank1 su* t ! am\nt   
c\ld be fill$ 9 by ! be>]1 %all be      
consid]$ to h a value ( m ?an #aj1jjj if
 ! in/rum5t 0 drawn on an acc\nt t      
conta9$1 or 0 int5d$ to conta9 m ?an    
#aj1jjj at ! "t--  7#a7 ! in/rum5t 0    
transport$2 or  7#b7 ! in/rum5t 0       
negotiat$ or 0 int5d$ to be negotiat$4  
4  #c4 ,bulk ca% smuggl+ ,section       
#eccb7;b7 ( title #ca1 ,unit$ ,/ates    
,code1 is am5d$-- 7#a7 9 p>agraph 7#a71 
by /rik+ #e ye>s & ins]t+ #aj ye>s2     
7#b7 by r$esignat+ p>agraphs 7#b71 7#c71
 & 7#d71 z p>agraphs 7#c71 7#d71 & 7#e71
 respectively2  7#c7 by ins]t+ aft]     
p>agraph 7#a7 ! foll[+3  7#b7 ,f9e  7,a7
 ,9 g5]al ,:oev] violates ?is section   

%all be f9$ "u title #ah4  7,b7 ,enhanc$
 f9e = aggravat$ cases ,:oev] violates  
?is section :ile violat+ ano!r law ( !  
,unit$ ,/ates1 o!r ?an section #ecaf or 
#ecbd7;c7 ( ?is title1 or z a "p ( a    
patt]n ( any unlawful activity1 includ+ 
a violation ( section #ecaf or #ecbd7;c7
 ( ?is title1 %all be f9$ d\ble ! am\nt 
provid$ 9 subsection 7b77#c7 or 7c77#c7 
( section #cega ( title #ah4  2 &  7#d7 
9 p>agraph 7#e71 z r$esignat$1 by /rik+ 
p>agraph 7#b7 & ins]t+ p>agraph 7#c74   
#d4 ,section #aieg violations involv+   
comm+l$ funds & aggregat$ transactions  
,section #aieg ( title #ah1 ,unit$      
,/ates ,code1 is am5d$ by add+ at ! end 
! foll[+3  7g7 ,9 a prosecution = an    
(f5se "u ?is section1 ! ,gov]nm5t may   
satisfy ! #aj1jjj monet>y transaction   
value requirem5t "u subsection 7a7 by   
%[+ t--  7#a7 ! monet>y transaction     
involv$ ! transf]1 )drawal1 encumbrance1
 or o!r disposition ( m ?an #aj1jjj f an
 acc\nt 9 :i* m ?an #aj1jjj 9 proce$s ( 
specifi$ unlawful activity 0 comm+l$ )  

o!r funds2 or  7#b7 ! def5dant conduct$ 
a s]ies ( monet>y transactions 9 am\nts 
( n m ?an #aj1jjj t-- 7,a7 exce$$       
#aj1jjj 9 ! aggregate2 &  7,b7 7 closely
 relat$ to ea* o!r z demon/rat$ by      
factors su* z-- 7i7 ! "t p]iod betwe5 ! 
transactions2  7ii7 ! id5tity ( ! p>ties
 involv$2  7iii7 ! nature or purpose ( !
 transactions2 &  7iv7 ! mann] 9 :i* !  
transactions 7 conduct$4  4  #e4 ,*>g+  
money laund]+ z a c\rse ( conduct       
,section #aief ( title #ah1 ,unit$      
,/ates ,code1 is am5d$-- 7#a7 9         
subsection 7h71 by /rik+ or section     
#aieg & ins]t+ 1 section #aieg1 or      
section #aifj2 &  7#b7 by add+ at ! end 
! foll[+3  7j7 ,multiple violations     
,multiple violations ( ?is section t are
 "p ( ! same s*eme or cont9u+ c\rse (   
conduct may be *>g$1 at ! election ( !  
,gov]nm5t1 9 a s+le c\nt 9 an indictm5t 
or in=mation4  4  #f4 ,illegal money    
s]vices bus9esses  7a7 ,9 g5]al ,section
 #aifj ( title #ah1 ,unit$ ,/ates ,code1
 is am5d$ by /rik+ subsections 7a7 & 7b7

 & ins]t+ ! foll[+3  7a7 ,(f5se ,:oev]  
kn[+ly conducts1 controls1 manages1     
sup]vises1 directs1 or owns all or "p ( 
a cov]$ money s]vices bus9ess t--  7#a7 
is op]at$ )\t an appropriate lic5se 9 a 
,/ate :]e su* op]ation is puni%able z a 
misdemeanor or a felony "u ,/ate law1   
:e!r or n ! p]son kn[s t ! op]ation is  
requir$ to be lic5s$ or t ! op]ation is 
s puni%able2  7#b7 fails to comply ) !  
money s]vices bus9ess regi/ration       
requirem5ts "u section #eccj ( title    
#ca1 or regulations prescrib$ "u t      
section1 :e!r or n ! p]son kn[s t !     
op]ation is requir$ to comply ) ^?      
regi/ration requirem5ts2 or  7#c7       
o!rwise engages 9 a transaction involv+ 
funds t ! p]son kn[s h be5 d]iv$ f a    
crim9al (f5se or are int5d$ to be us$ to
 promote or support unlawful activity1  
%all be puni%$ z provid$ 9 subsection   
7b74  7b7 ,crim9al p5alty ,any p]son :o 
violates-- 7#a7 subsection 7a7 %all be  
f9$ 9 accordance ) ?is title1 imprison$ 
= n m ?an #e ye>s1 or bo?2 &  7#b7      

subsection 7a7 by conduct+1 controll+1  
manag+1 sup]vis+1 direct+1 or own+ all  
or "p ( a cov]$ money s]vices bus9ess t 
engag$ 9 activity z a cov]$ money       
s]vices bus9ess involv+ m ?an #a1jjj1jjj
 dur+ a #ab-mon? p]iod1 or by engag+ 9 a
 transaction or transactions involv+ m  
?an #a1jjj1jjj dur+ a #ab-mon? p]iod1   
%all be f9$ d\ble ! am\nt provid$ 9     
subsection 7b77#c7 or 7c77#c7 7z        
applicable7 ( section #cega1 imprison$ =
 n m ?an #aj ye>s1 or bo?4  7c7         
,def9itions ,9 ?is section-- 7#a7 ! t]m 
cov]$ money s]vices bus9ess means a     
money s]vices bus9ess t--  7,a7 op]ates 
on behalf ( ! public2 &  7,b7 affects   
int]/ate or =eign comm]ce 9 any mann] or
 degree2  7#b7 ! t]m money s]vices      
bus9ess--  7,a7 has ! mean+ giv5 ! t]m 9
 section #eccj ( title #ca & any        
regulations prescrib$ "u t section2 &   
7,b7 includes a p]son t engages 9 !     
transf]1 transportation1 or ex*ange (   
curr5cy1 funds1 or value t sub/itutes = 
curr5cy by any & all means1 ev5 :5 n    

p]=m$ = pr(it2 &  7#c7 ! t]m ,/ate means
 any ,/ate ( ! ,unit$ ,/ates1 ! ,di/rict
 ( ,columbia1 ! ,nor!rn ,m>iana ,isl&s1 
& any commonweal?1 t]ritory1 or         
possession ( ! ,unit$ ,/ates4  4  7b7   
,te*nical & con=m+ am5dm5ts  7#a7       
,section #aifj ( title #ah1 ,unit$      
,/ates ,code  7,a7 ,section head+       
,section #aifj ( title #ah1 ,unit$      
,/ates ,code1 is am5d$ 9 ! section      
head+-- 7i7 by /rik+ unlic5s$ & ins]t+  
illegal2 &  7ii7 by /rik+ transmitt+ &  
ins]t+ s]vices4  7,b7 ,table ( sections 
,! table ( sections = *apt] #ie ( title 
#ah1 ,unit$ ,/ates ,code1 is am5d$ by   
/rik+ ! item relat+ to section #aifj &  
ins]t+ ! foll[+3  #aifj4 ,prohibition ( 
illegal money s]vices bus9esses4  4     
7#b7 ,section #eccj ( title #ca1 ,unit$ 
,/ates ,code  7,a7 ,head+s ,section     
#eccj ( title #ca1 ,unit$ ,/ates ,code1 
is am5d$-- 7i7 9 ! section head+1 by    
/rik+ transmitt+ & ins]t+ s]vices2  7ii7
 9 subsection 7c7-- 7,i7 9 ! subsection 
head+1 by /rik+ transmitt+ & ins]t+     

s]vices2  7,,ii7 9 p>agraph 7#a71 9 !   
p>agraph head+1 by /rik+ transmitt+ &   
ins]t+ s]vices2 &  7,,iii7 9 p>agraph   
7#b71 9 ! p>agraph head+1 by /rik+      
transmitt+ & ins]t+ s]vices2 &  7iii7 9 
subsection 7d77#a71 9 ! p>agraph head+1 
by /rik+ transmitt+ & ins]t+ s]vices4   
7,b7 ,text ,section #eccj ( title #ca1  
,unit$ ,/ates ,code1 is am5d$--  7i7 by 
/rik+ money transmitt+ bus9ess ea* place
 t t]m appe>s & ins]t+ money s]vices    
bus9ess2 &  7ii7 9 subsection 7a77#c71  
by /rik+ money transmitt+ bus9esses &   
ins]t+ a money s]vices bus9ess4  7,c7   
,table ( sections ,! table ( sections = 
sub*apt] ,,ii ( *apt] #ec ( title #ca1  
,unit$ ,/ates ,code1 is am5d$ by /rik+ !
 item relat+ to section #eccj & ins]t+ !
 foll[+3  #eccj4 ,regi/ration ( money   
s]vices bus9esses4  4  #g4 ,concealm5t  
money laund]+ ,section #aief7;a7 ( title
 #ah1 ,unit$ ,/ates ,code1 is am5d$--   
7#a7 9 p>agraph 7#a77;,b71 by /rik+ kn[+
 t & all t foll[s ?r\gh ,f$]al law1 &   
ins]t+ ! foll[+3  7,b7 kn[+ t !         

transaction-- 7i7 conceals or disguises1
 or is int5d$ to conceal or disguise1 ! 
nature1 s\rce1 location1 own]%ip1 or    
control ( ! proce$s ( "s =m ( unlawful  
activity2 or  7ii7 avoids1 or is int5d$ 
to avoid1 a transaction report+         
requirem5t "u ,/ate or ,f$]al law1  2 & 
7#b7 9 p>agraph 7#b77;,b71 by /rik+ kn[+
 t & all t foll[s ?r\gh ,f$]al law1 &   
ins]t+ ! foll[+3  7,b7 kn[+ t-- 7i7 !   
monet>y in/rum5t or funds involv$ 9 !   
transportation1 transmission1 or transf]
 repres5t ! proce$s ( "s =m ( unlawful  
activity2 &  7ii7 ! transportation1     
transmission1 or transf]-- 7,i7 conceals
 or disguises1 or is int5d$ to conceal  
or disguise1 ! nature1 s\rce1 location1 
own]%ip1 or control ( ! proce$s ( "s =m 
( unlawful activity2 or  7,,ii7 avoids1 
or is int5d$ to avoid1 a transaction    
report+ requirem5t "u ,/ate or ,f$]al   
law1  4  #h4 ,freez+ bank acc\nts (     
p]sons arre/$ = (f5ses involv+ ! movem5t
 ( money across int]national bord]s     
,section #iha7;b7 ( title #ah1 ,unit$   

,/ates ,code1 is am5d$ by add+ at ! end 
! foll[+3  7#e7 7,a7 ,if a p]son is     
arre/$ or *>g$ 9 connection ) an (f5se  
describ$ 9 subp>agraph 7,c7 involv+ !   
movem5t ( funds into or out ( ! ,unit$  
,/ates1 ! ,attorney ,g5]al may apply to 
any ,f$]al judge or magi/rate judge 9 ! 
di/rict 9 :i* ! arre/ is made or ! *>ges
 are fil$ = an ex p>te ord] re/ra9+ any 
acc\nt held by ! p]son arre/$ or *>g$ = 
n m ?an #cj days1 except t su* #cj-;day 
"t p]iod may be ext5d$ = good cause %[n 
at a he>+ conduct$ 9 ! mann] provid$ 9  
,rule #dc7;c7 ( ! ,f$]al ,rules ( ,civil
 ,proc$ure4 ,! c\rt may receive &       
consid] evid5ce & in=mation submitt$ by 
! ,gov]nm5t t w\ld be inadmissible "u ! 
,f$]al ,rules ( ,evid5ce4  7,b7 ,!      
application = ! re/ra9+ ord] ref]r$ to 9
 subp>agraph 7,a7 %all-- 7i7 id5tify !  
(f5se = :i* ! p]son has be5 arre/$ or   
*>g$2  7ii7 id5tify ! location &        
description ( ! acc\nts to be re/ra9$2 &
  7iii7 /ate t ! re/ra9+ ord] is ne$$ to
 prev5t ! removal ( ! funds 9 ! acc\nt  

by ! p]son arre/$ or *>g$1 or by o!r    
p]sons associat$ ) t p]son1 dur+ ! "t   
ne$$ by ! ,gov]nm5t to conduct su*      
inve/igation z may be necess>y to       
e/abli% :e!r !re is probable cause to   
believe t ! funds 9 ! acc\nts are       
subject to =feiture 9 connection ) !    
commission ( any crim9al (f5se4  7,c7 ,a
 re/ra9+ ord] may be issu$ "u           
subp>agraph 7,a7 if a p]son is arre/$ or
 *>g$ ) any (f5se = :i* =feiture is     
au?oriz$ "u--  7i7 ?is title2  7ii7     
title #ca2 or  7iii7 ! ,controll$       
,sub/ances ,act 7#ba ,u4,s4,c4 #hja et  
seq474  7,d7 ,= purposes ( ?is          
p>agraph--  7i7 ! t]m acc\nt includes   
any safe deposit box & any acc\nt 7z    
def9$ 9 p>agraphs 7#a7 & 7#b7 ( section 
#ecah;,a7e7 ( title #ca7 at any f9ancial
 in/itution2 &  7ii7 ! t]m acc\nt held  
by ! p]son arre/$ or *>g$ includes an   
acc\nt held 9 ! "n ( t p]son1 & any     
acc\nt ov] :i* t p]son has effective    
control z a signatory or o!rwise4  7,e7 
,re/ra9t "u ?is p>agraph %all n be deem$

 a seizure = purposes ( section         
#ihc7;a74  7,f7 ,a re/ra9+ ord] issu$ "u
 ?is p>agraph may be execut$ 9 any      
di/rict 9 :i* ! subject acc\nt is f\nd1 
or transmitt$ to ! c5tral au?ority ( any
 =eign ,/ate = s]vice 9 accordance ) any
 treaty or o!r int]national agreem5t4  4
  #i4 ,prohibit+ money laund]+ ?r\gh    
hawalas1 o!r in=mal value transf]       
sy/ems1 & closely relat$ transactions ,!
 matt] foll[+ section                   
#aief7;a77#a77;,b77ii7 ( title #ah1     
,unit$ ,/ates ,code1 is am5d$ by /rik+  
,= purposes ( ?is p>agraph1 a f9ancial  
transaction & ins]t+ ,= purposes ( ?is  
p>agraph & section #aieg1 a f9ancial    
transaction or a monet>y transaction1 z 
applicable14  #aj4 ,te*nical am5dm5t to 
re/ore wiretap au?ority = c]ta9 money   
laund]+ & c\nt]feit+ (f5ses  7a7        
,curr5cy report+ (f5ses ,section        
#beaf7a77;g7 ( title #ah1 ,unit$ ,/ates 
,code1 is am5d$ by /rik+ or section     
#ecbd ( title #ca1 ,unit$ ,/ates ,code  
7relat+ to /ructur+ transactions to     

evade report+ requirem5t prohibit$7 &   
ins]t+ or section #ecbd1 #ecca1 or #eccb
 ( t title 7relat+ to evasion ( ,f$]al  
transaction report+ requirem5ts74  7b7  
,money laund]+ ,section #beaf7a77;c7 (  
title #ah1 ,unit$ ,/ates ,code1 is am5d$
 by ins]t+ section #aifj 7relat+ to     
illegal money s]vices bus9esses71 be=e  
section #fei4  7c7 ,c\nt]feit+ ,section 
#beaf7a77;d7 ( title #ah1 ,unit$ ,/ates 
,code1 is am5d$ by /rik+ or #dgc &      
ins]t+ #dgc1 #dgd1 or #dgd;,a4  #aa4    
,mak+ ! int]national money laund]+      
/atute apply to tax evasion ,section    
#aief7;a77#b77;,a7 ( title #ah1 ,unit$  
,/ates ,code1 is am5d$--  7#a7 by ins]t+
 7i7 be=e ) ! int5t to promote2 &  7#b7 
by add+ at ! end ! foll[+3  7ii7 ) !    
int5t to engage 9 conduct con/itut+ a   
violation ( section #gbja or #gbjf ( !  
,int]nal ,rev5ue ,code ( #aihf2 or  4   
#ab4 ,conduct 9 aid ( c\nt]feit+  7a7 ,9
 g5]al ,section #dgd7;a7 ( title #ah1   
,unit$ ,/ates ,code1 is am5d$ by ins]t+ 
aft] ! p>agraph beg9n+ ,:oev] has 9 8   

control1 cu/ody1 or possession any plate
 ! foll[+3  ,:oev]1 ) int5t to defraud1 
has cu/ody1 control1 or possession ( any
 mat]ial1 tool1 ma*9]y1 or o!r equipm5t 
t c be us$ to make1 alt]1 =ge1 or       
c\nt]feit any obligation or o!r security
 ( ! ,unit$ ,/ates or any "p ( su*      
obligation or security1 except "u !     
au?ority ( ! ,secret>y ( ! ,treasury2 or
  4  7b7 ,=eign obligations & securities
 ,section #dha ( title #ah1 ,unit$      
,/ates ,code1 is am5d$ by ins]t+ aft] ! 
p>agraph beg9n+ ,:oev]1 ) int5t to      
defraud ! foll[+3  ,:oev]1 ) int5t to   
defraud1 has cu/ody1 control1 or        
possession ( any mat]ial1 tool1 ma*9]y1 
or o!r equipm5t t c be us$ to make1     
alt]1 =ge1 or c\nt]feit any obligation  
or o!r security ( any =eign gov]nm5t1   
bank1 or corporation2 or  4  7c7        
,c\nt]feit acts ,section #dgj ( title   
#ah1 ,unit$ ,/ates ,code1 is am5d$ by   
/rik+ or #dgd & ins]t+ #dgd1 or #dgd;,a4
  7d7 ,/r5g!n+ det]r5ts to c\nt]feit+   
,section #dgd;,a ( title #ah1 ,unit$    

,/ates ,code1 is am5d$--  7#a7 9        
subsection 7a71 by ins]t+ 1 cu/ody1 aft]
 control2  7#b7 9 subsection 7b7--  7,a7
 by ins]t+ 1 cu/ody1 aft] control2 &    
7,b7 by /rik+ any ess5tially id5tical   
feature or device adapt$ to ! mak+ ( any
 su* obligation or security1 & ins]t+   
any mat]ial or o!r ?+ made aft] or 9    
similitude ( any su* det]r5t12 &  7#c7  
by add+ at ! end ! foll[+3  7d7 ,:oev]  
has 9 8 control1 cu/ody1 or possession  
any obligation or security ( ! ,unit$   
,/ates or any =eign gov]nm5t f :i* ! ink
 or o!r di/9ctive c\nt]feit det]r5t has 
be5 completely or p>tially remov$1      
except "u ! au?ority ( ! ,secret>y ( !  
,treasury1 is guilty ( a class ,b       
felony4  4  #ac4 ,adm9i/rative subpo5as 
= money laund]+ cases ,section #cdhf7;a7
 ( title #ah1 ,unit$ ,/ates ,code1 is   
am5d$-- 7#a7 9 p>agraph 7#a77;,a7--     
7,a7 9 ! matt] prec$+ clause 7i71 by    
/rik+ ( & ins]t+ relat+ to2  7,b7 9     
clause 7ii71 by /rik+ or2  7,c7 9 clause
 7iii7-- 7i7 by /rik+ section #cjef &   

ins]t+ section #cjef7;a72 &  7ii7 by    
/rik+ ! ,treasury1 & ins]t+ ,homel&     
,security2 or2 &  7,d7 by ins]t+ aft]   
clause 7iii7 ! foll[+3  7iv7 an (f5se "u
 section #aief1 #aieg1 or #aifj ( ?is   
title1 or section #ecac1 #ecaf1 #ecbd1  
#ecca1 or #eccb ( title #ca1 or an (f5se
 aga9/ a =eign nation con/itut+ specifi$
 unlawful activity "u section #aief (   
?is title1 or a crim9al or civil        
=feiture bas$ ^u an (f5se enum]at$ 9 ?is
 subp>agraph or = :i* en=cem5t c\ld be  
br\ght "u section #bdfg ( title #bh1 !  
,attorney ,g5]al1 ! ,secret>y ( ,homel& 
,security1 or ! ,secret>y ( ! ,treasury1
  2 &  7#b7 9 p>agraph 7#f77;,b7-- 7,a7 
9 clause 7iii71 by /rik+ or at ! end2   
7,b7 9 clause 7iv71 by /rik+ ! p]iod &  
ins]t+ 2 or2 &  7,c7 by add+ at ! end   
foll[+3  7v7 dissipation1 de/ruction1   
removal1 transf]1 damage1 encumbrance1  
or o!r unavailability ( prop]ty t may   
become subject to =feiture or an        
en=cem5t action "u section #bdfg ( title
 #bh4  4  #ad4 ,obta9+ =eign bank       

records f banks ) ,unit$ ,/ates         
correspond5t acc\nts  7a7 ,gr& jury &   
trial subpo5as ,section #ecah7k7 ( title
 #ca1 ,unit$ ,/ates ,code1 is am5d$--   
7#a7 9 p>agraph 7#a7--  7,a7 by         
r$esignat+ subp>agraph 7,b7 z           
subp>agraph 7,c72 &  7,b7 by ins]t+ aft]
 subp>agraph 7,a7 ! foll[+3  7,b7 ,cov]$
 f9ancial in/itution ,! t]m cov]$       
f9ancial in/itution means an in/itution 
ref]r$ to 9 subsection 7j77#a74  2 &    
7#b7 by /rik+ p>agraph 7#c7 & ins]t+ !  
foll[+3  7#c7 ,=eign bank records  7,a7 
,subpo5a ( records  7i7 ,9 g5]al        
,not)/&+ subsection 7b71 ! ,secret>y ( !
 ,treasury or ! ,attorney ,g5]al may    
issue a subpo5a to any =eign bank t     
ma9ta9s a correspond5t acc\nt 9 ! ,unit$
 ,/ates & reque/ any records relat+ to !
 correspond5t acc\nt or any acc\nt at ! 
=eign bank1 includ+ records ma9ta9$     
outside ( ! ,unit$ ,/ates1 t are !      
subject ( any--  7,i7 inve/igation ( a  
violation ( a crim9al law ( ! ,unit$    
,/ates2 or  7,,ii7 civil =feiture       

action4  7ii7 ,production ( records ,!  
=eign bank on :i* a subpo5a describ$ 9  
clause 7i7 is s]v$ %all produce all     
reque/$ records & au!nticate all reque/$
 records ) te/imony 9 ! mann] describ$  
9--  7,i7 rule #ijb7ab7 ( ! ,f$]al      
,rules ( ,evid5ce2 or  7,,ii7 section   
#ceje ( title #ah4  7iii7 ,issuance &   
s]vice ( subpo5a ,a subpo5a describ$ 9  
clause 7i7-- 7,i7 %all designate--  7aa7
 a return date2 &  7bb7 ! judicial      
di/rict 9 :i* ! relat$ inve/igation is  
proce$+2 &  7,,ii7 may be s]v$-- 7aa7 9 
p]son2  7bb7 by mail or fax 9 ! ,unit$  
,/ates if ! =eign bank has a            
repres5tative 9 ! ,unit$ ,/ates2 or     
7cc7 9 a =eign c\ntry "u any mutual     
legal assi/ance treaty1 multilat]al     
agreem5t1 or o!r reque/ = int]national  
legal or law en=cem5t assi/ance4  7iv7  
,relief f subpo5a  7,i7 ,9 g5]al ,at any
 "t be=e ! return date ( ! subpo5a      
describ$ 9 clause 7i71 ! =eign bank on  
:i* ! subpo5a is s]v$ may petition !    
di/rict c\rt ( ! ,unit$ ,/ates = !      

judicial di/rict 9 :i* ! relat$         
inve/igation is proce$+1 z designat$ 9 !
 subpo5a1 to modify or qua%--  7aa7 !   
subpo5a2 or  7bb7 ! prohibition aga9/   
disclosure describ$ 9 subp>agraph 7,c74 
7,,ii7 ,conflict ) =eign secrecy or     
confid5tiality ,an ass]tion t compliance
 ) ! subpo5a w\ld conflict ) a provision
 ( =eign secrecy or confid5tiality law  
%all n be a basis = qua%+ or modify+ !  
subpo5a4  7,b7 ,acceptance ( s]vice  7i7
 ,ma9ta9+ records 9 ! ,unit$ ,/ates ,any
 cov]$ f9ancial in/itution t ma9ta9s a  
correspond5t acc\nt 9 ! ,unit$ ,/ates = 
a =eign bank %all ma9ta9 records 9 !    
,unit$ ,/ates id5tify+--  7,i7 ! own]s (
 su* =eign bank2 &  7,,ii7 ! "n &       
address ( a p]son :o-- 7aa7 resides 9 ! 
,unit$ ,/ates2 &  7bb7 is au?oriz$ to   
accept s]vice ( legal process = records 
cov]$ "u ?is subsection4  7ii7 ,law     
en=cem5t reque/ ,^u receipt ( a writt5  
reque/ f a ,f$]al law en=cem5t (fic] =  
in=mation requir$ to be ma9ta9$ "u ?is  
p>agraph1 a cov]$ f9ancial in/itution   

%all provide ! in=mation to ! reque/+   
(fic] n lat] ?an #g days aft] receipt ( 
! reque/4  7,c7 ,nondisclosure ( subpo5a
  7i7 ,9 g5]al ,no (fic]1 director1     
p>tn]1 employee1 or %>ehold] (1 or ag5t 
or attorney =1 a =eign bank on :i* a    
subpo5a is s]v$ "u ?is p>agraph %all1   
directly or indirectly1 notify any      
acc\nt hold] involv$ or any p]son nam$ 9
 ! subpo5a issu$ "u subp>agraph 7,a77i7 
& s]v$ on su* an in/itution ab\t !      
exi/5ce or cont5ts ( su* subpo5a4  7ii7 
,damages ,^u application by ! ,attorney 
,g5]al = a violation ( ?is subp>agraph1 
a =eign bank on :i* a subpo5a is s]v$ "u
 ?is p>agraph %all be liable to ! ,unit$
 ,/ates ,gov]nm5t = a civil p5alty 9 an 
am\nt equal to--  7,i7 d\ble ! am\nt ( !
 suspect$ crim9al proce$s s5t ?r\gh !   
correspond5t acc\nt ( ! =eign bank 9 !  
relat$ inve/igation2 or  7,,ii7 if no   
su* proce$s c be id5tifi$1 #bej1jjj4    
7,d7 ,en=cem5t  7i7 ,9 g5]al ,if a =eign
 bank fails to obey a subpo5a issu$ "u  
subp>agraph 7,a77i71 ! ,attorney ,g5]al 

may invoke ! aid ( ! di/rict c\rt ( !   
,unit$ ,/ates = ! judicial di/rict 9 :i*
 ! inve/igation or relat$ proce$+ is    
occurr+ to compel compliance ) !        
subpo5a4  7ii7 ,c\rt ord]s & contempt ( 
c\rt ,! c\rt may-- 7,i7 issue an ord]   
requir+ ! =eign bank to appe> be=e !    
,secret>y ( ! ,treasury or ! ,attorney  
,g5]al to produce--  7aa7 c]tifi$       
records1 9 accordance )-- 7,,aa7 rule   
#ijb7ab7 ( ! ,f$]al ,rules ( ,evid5ce2  
or 7,,bb7 section #ceje ( title #ah2 or 
7bb7 te/imony reg>d+ ! production ( su* 
records2 &  7,,ii7 puni% any failure to 
obey an ord] issu$ "u subclause 7,i7 z  
contempt ( c\rt4  7iii7 ,s]vice (       
process ,all process 9 a case "u ?is    
subp>agraph %all be s]v$ on ! =eign bank
 9 ! same mann] z describ$ 9 subp>agraph
 7,a77iii74  7,e7 ,t]m9ation (          
correspond5t relation%ip  7i7 ,t]m9ation
 ^u receipt ( notice ,a cov]$ f9ancial  
in/itution %all t]m9ate any correspond5t
 relation%ip ) a =eign bank n lat] ?an  
#aj bus9ess days aft] ! date on :i* !   

cov]$ f9ancial in/itution receives      
writt5 notice f ! ,secret>y ( !         
,treasury or ! ,attorney ,g5]al if1 aft]
 consultation ) ! o!r1 ! ,secret>y ( !  
,treasury or ,attorney ,g5]al1 z        
applicable1 det]m9es t ! =eign bank has 
fail$--  7,i7 to comply ) a subpo5a     
issu$ "u subp>agraph 7,a77i72 or  7,,ii7
 to prevail 9 proce$+s be=e--  7aa7 !   
appropriate di/rict c\rt ( ! ,unit$     
,/ates aft] *all5g+ su* a subpo5a "u    
subp>agraph 7,a77iv77,i72 or  7bb7 a    
c\rt ( appeals ( ! ,unit$ ,/ates aft]   
appeal+ a decision ( a di/rict c\rt ( ! 
,unit$ ,/ates "u item 7aa74  7ii7       
,limitation on liability ,a cov]$       
f9ancial in/itution %all n be liable to 
any p]son 9 any c\rt or arbitration     
proce$+ = t]m9at+ a correspond5t        
relation%ip "u ?is subp>agraph or       
comply+ ) a nondisclosure ord] "u       
subp>agraph 7,c74  7iii7 ,failure to    
t]m9ate relation%ip ,a cov]$ f9ancial   
in/itution t fails to t]m9ate a         
correspond5t relation%ip "u clause 7i7  

%all be liable = a civil p5alty 9 an    
am\nt t is n m ?an #aj1jjj = ea* day t !
 cov]$ f9ancial in/itution fails to     
t]m9ate ! relation%ip4  7,f7 ,en=cem5t (
 civil p5alties ,^u application by !    
,unit$ ,/ates1 any funds held 9 !       
correspond5t acc\nt ( a =eign bank t is 
ma9ta9$ 9 ! ,unit$ ,/ates ) a cov]$     
f9ancial in/itution may be seiz$ by !   
,unit$ ,/ates to satisfy any civil      
p5alties t are impos$--  7i7 "u         
subp>agraph 7,c77ii72 or  7ii7 by ! c\rt
 = contempt "u subp>agraph 7,d74  4  7b7
 ,fair ,cr$it ,report+ ,act am5dm5t     
,section #fjd7;a77#a7 ( ! ,fair ,cr$it  
,report+ ,act 7#ae ,u4,s4,c4            
#afha;b7a77#a77 is am5d$-- 7#a7 by /rik+
 1 or a & ins]t+ 1 a2 &  7#b7 by ins]t+ 
1 or a subpo5a issu$ 9 accordance )     
section #ecah ( title #ca1 ,unit$ ,/ates
 ,code1 or section #cdhf ( title #ah1   
,unit$ ,/ates ,code aft] gr& jury4  7c7 
,ob/ruction ( ju/ice ,section           
#aeaj7;b77#c77;,b7 ( title #ah1 ,unit$  
,/ates ,code1 is am5d$-- 7#a7 9 ! matt] 

prec$+ clause 7i71 by /rik+ or a        
,dep>tm5t ( ,ju/ice subpo5a 7issu$ "u   
section #cdhf ( title #ah7 & ins]t+ 1 a 
subpo5a issu$ "u section #cdhf ( ?is    
title1 or an ord] or subpo5a issu$ 9    
accordance ) section #ceab ( ?is title1 
section #ecah ( title #ca1 or section   
#aghb ( title #bh12 &  7#b7 9 clause 7i7
 by ins]t+ 1 #aifj1 or an (f5se aga9/ a 
=eign nation con/itut+ specifi$ unlawful
 activity "u section #aief1 or a =eign  
(f5se = :i* en=cem5t ( a =eign =feiture 
judgm5t c\ld be br\ght "u section #bdfg 
( title #bh aft] #aieg4  7d7 ,"r to     
f9ancial privacy act ,section           
#aabj7;b77#a77;,a7 ( ! ,"r to ,f9ancial 
,privacy ,act ( #aigh 7#ab ,u4,s4,c4    
#cdbj7;b77#a77;,a77 is am5d$--  7#a7 by 
/rik+ or #aieg & ins]t+ 1 #aieg1 or     
#aifj2 &  7#b7 by /rik+ & #ecbd & ins]t+
 1 #ecbb1 #ecbd1 #ecca1 & #eccb4  #ae4  
,dang] pay all[ance ,section #aea ( !   
,=eign ,relations ,au?orization ,act1   
,fiscal ,ye>s #aiij & #aiia 7#e         
,u4,s4,c4 #eibh note7 is am5d$ by /rik+ 

,drug ,en=cem5t ,adm9i/ration or ,f$]al 
,bureau ( ,inve/igation & ins]t+ ,drug  
,en=cem5t ,adm9i/ration1 ! ,f$]al       
,bureau ( ,inve/igation1 ,u4,s4         
,immigration & ,cu/oms ,en=cem5t1 ,u4,s4
 ,cu/oms & ,bord] ,protection1 or !     
,unit$ ,/ates ,secret ,s]vice4  #af4    
,cl>ification ( ,secret ,s]vice au?ority
 to inve/igate money laund]+ ,section   
#cjef7;b77#c7 ( title #ah1 ,unit$ ,/ates
 ,code1 is am5d$-- 7#a7 by ins]t+ money 
laund]+1 /ructur$ transactions1 aft]    
docum5ts or devices12 &  7#b7 by /rik+  
f$]ally insur$4  #ag4 ,prohibition on   
concealm5t ( own]%ip ( acc\nt  7a7 ,9   
g5]al ,sub*apt] ,,ii ( *apt] #ec ( title
 #ca1 ,unit$ ,/ates ,code1 is am5d$ by  
add+ at ! end ! foll[+3  #eccc4         
,prohibition on concealm5t ( own]%ip (  
acc\nt  7a7 ,9 g5]al ,no p]son %all     
kn[+ly conceal1 falsify1 or misrepres5t1
 or attempt to conceal1 falsify1 or     
misrepres5t1 f or to a f9ancial         
in/itution1 a mat]ial fact conc]n+ !    
own]%ip or control ( an acc\nt or assets

 held 9 an acc\nt ) a f9ancial          
in/itution4  7b7 ,p5alties ,a p]son     
convict$ ( an (f5se "u subsection 7a71  
or a conspiracy to commit su* (f5se1    
%all be imprison$ = n m ?an #aj ye>s1   
f9$ n m ?an #a1jjj1jjj1 or bo?4  7c7    
,=feiture  7#a7 ,crim9al =feiture  7,a7 
,9 g5]al ,! c\rt1 9 impos+ p5alties "u  
subsection 7b71 %all ord] t ! def5dant  
=feit to ! ,unit$ ,/ates any prop]ty    
involv$ 9 ! (f5se1 or a conspiracy to   
commit su* (f5se1 & any prop]ty         
traceable !reto4  7,b7 ,proc$ure        
,section #dac ( ! ,controll$ ,sub/ances 
,act 7#ba ,u4,s4,c4 #hec7 %all gov]n !  
seizure1 re/ra9t1 & =feiture ( prop]ty  
"u ?is p>agraph4  7#b7 ,civil =feiture  
7,a7 ,9 g5]al ,any prop]ty involv$ 9 a  
violation ( subsection 7a71 or a        
conspiracy to commit su* violation1 &   
any prop]ty traceable !reto may be seiz$
 & =feit$ to ! ,unit$ ,/ates4  7,b7     
,proc$ure ,seizures & =feitures "u ?is  
p>agraph %all be gov]n$ by ! provisions 
( *apt] #df ( title #ah relat+ to civil 

=feitures1 except t su* duties1 "u      
cu/oms laws describ$ 9 section #iha7;d7 
( title #ah1 giv5 to ! ,secret>y ( !    
,treasury %all be p]=m$ by su* (fic]s1  
ag5ts1 & o!r p]sons z designat$ by !    
,secret>y ( ,homel& ,security or !      
,attorney ,g5]al4  7#c7 ,treatm5t (     
c]ta9 prop]ty z involv$ 9 ! (f5se ,9 ?is
 subsection1 ! t]m prop]ty involv$ 9    
includes any assets cr$it$ to1 attempt$ 
to be cr$it$ to1 or conta9$ 9 ! acc\nt4 
7d7 ,f9ancial ,in/itution ,9 ?is        
section1 ! t]m f9ancial in/itution means
 any entity def9$ "u section            
#ecab7;a77#b71 or ! regulations         
promulgat$ "u ?is title1 t is requir$   
to--  7#a7 implem5t a cu/om]            
id5tification program "u ?is title1 or !
 regulations promulgat$ "u ?is title2 or
  7#b7 conduct cu/om] due dilig5ce "u   
?is title1 or ! regulations promulgat$  
"u ?is title4  4  7b7 ,table ( sections 
,! table ( sections = sub*apt] ,,ii (   
*apt] #ec ( title #ca1 ,unit$ ,/ates    
,code1 is am5d$ by add+ at ! end !      

foll[+3  #eccc4 ,prohibition on         
concealm5t ( own]%ip ( acc\nt44  #ah4   
,prohibition on concealm5t ( ! s\rce (  
assets 9 monet>y transactions  7a7 ,9   
g5]al ,sub*apt] ,,ii ( *apt] #ec ( title
 #ca1 ,unit$ ,/ates ,code1 z am5d$ by   
section #ag ( ?is ,act1 is am5d$ by add+
 at ! end ! foll[+3  #eccd4 ,prohibition
 on concealm5t ( ! s\rce ( assets 9     
monet>y transactions  7a7 ,9 g5]al ,no  
p]son %all kn[+ly conceal1 falsify1 or  
misrepres5t1 or attempt to conceal1     
falsify1 or misrepres5t1 f or to a      
f9ancial in/itution1 a mat]ial fact     
conc]n+ ! own]%ip or control ( assets   
involv$ 9 a monet>y transaction if--    
7#a7 ! p]son or entity :o owns or       
controls su* assets is a s5ior =eign    
political figure1 or any imm$iate family
 memb] or close associate ( a s5ior     
=eign political figure1 z set =? 9 ?is  
title or ! regulations promulgat$ "u ?is
 title2 &  7#b7 ! aggregate value ( !   
assets involv$ 9 "o or m su*            
transactions is n less ?an #a1jjj1jjj4  

7b7 ,s\rce ( funds ,no p]son %all kn[+ly
 conceal1 falsify1 or misrepres5t1 or   
attempt to conceal1 falsify1 or         
misrepres5t1 f or to a f9ancial         
in/itution1 a mat]ial fact conc]n+ !    
s\rce ( funds 9 a monet>y transaction   
t--  7#a7 involves an entity f\nd to be 
a prim>y money laund]+ conc]n "u section
 #ecah;,a or ! regulations promulgat$ "u
 ?is title2 &  7#b7 violates !          
prohibitions or conditions prescrib$ "u 
section #ecah;,a7b77#e7 or ! regulations
 promulgat$ "u ?is title4  7c7 ,p5alties
 ,a p]son convict$ ( an (f5se "u        
subsection 7a7 or 7b71 or a conspiracy  
to commit su* (f5se1 %all be imprison$ =
 n m ?an #aj ye>s1 f9$ n m ?an          
#a1jjj1jjj1 or bo?4  7d7 ,=feiture  7#a7
 ,crim9al =feiture  7,a7 ,9 g5]al ,!    
c\rt1 9 impos+ s5t5ce "u subsection 7c71
 %all ord] t ! def5dant =feit to !      
,unit$ ,/ates any prop]ty involv$ 9 !   
(f5se & any prop]ty traceable !reto4    
7,b7 ,proc$ure ,! seizure1 re/ra9t1 &   
=feiture ( prop]ty "u ?is p>agraph %all 

be gov]n$ by section #dac ( ! ,controll$
 ,sub/ances ,act 7#ba ,u4,s4,c4 #hec74  
7#b7 ,civil =feiture  7,a7 ,9 g5]al ,any
 prop]ty involv$ 9 a violation (        
subsection 7a7 or 7b71 or a conspiracy  
to commit su* violation1 & any prop]ty  
traceable !reto may be seiz$ & =feit$ to
 ! ,unit$ ,/ates4  7,b7 ,proc$ure       
,seizures & =feitures "u ?is p>agraph   
%all be gov]n$ by ! provisions ( *apt]  
#df ( title #ah1 relat+ to civil        
=feitures1 except t su* duties1 "u !    
cu/oms laws describ$ 9 section #iha7;d7 
( title #ah1 giv5 to ! ,secret>y ( !    
,treasury %all be p]=m$ by su* (fic]s1  
ag5ts1 & o!r p]sons z may be designat$ =
 t purpose by ! ,secret>y ( ,homel&     
,security or ! ,attorney ,g5]al4  7e7   
,def9itions ,9 ?is section-- 7#a7 ! t]m 
f9ancial in/itution has ! mean+ giv5 !  
t]m 9 section #ecab7;a77#b7 ( ?is title2
 &  7#b7 ! t]m monet>y transaction means
 ! deposit1 )drawal1 transf]1 or        
ex*ange1 9 or affect+ int]/ate or =eign 
comm]ce1 ( funds or a monet>y in/rum5t  

7z def9$ 9 section #aief7;c77#e7 ( title
 #ah7 by1 ?r\gh1 or to a f9ancial       
in/itution 7z def9$ 9 section           
#aief7;c77#f7 ( title #ah7--  7,a7      
includ+ any transaction t w\ld be a     
f9ancial transaction "u section         
#aief7;c77#d77;,b7 ( title #ah2 &  7,b7 
n includ+ any transaction necess>y to   
pres]ve a p]son's "r to repres5tation z 
gu>ante$ by ! ,six? ,am5dm5t to !       
,con/itution ( ! ,unit$ ,/ates4  4  7b7 
,table ( sections ,! table ( sections = 
sub*apt] ,,ii ( *apt] #ec ( title #ca1  
,unit$ ,/ates ,code1 z am5d$ by section 
#ag ( ?is ,act1 is am5d$ by add+ at !   
end ! foll[+3  #eccd4 ,prohibition on   
concealm5t ( ! s\rce ( assets 9 monet>y 
transactions44  #ai4 ,rule ( con/ruction
 ,no?+ 9 ?is ,act1 or any am5dm5t made  
by ?is ,act1 %all be con/ru$ to apply to
 ! au?oriz$ law en=cem5t1 protective1 or
 intellig5ce activities ( ! ,unit$      
,/ates or ( an intellig5ce ag5cy ( !    
,unit$ ,/ates4  #a4 ,%ort title2 table (
 cont5ts  7a7 ,%ort title ,?is ,act may 

be cit$ z ! ,combat+ ,money ,laund]+1   
,t]rori/ ,f9anc+1 & ,c\nt]feit+ ,act (  
#bjai4  7b7 ,table ( cont5ts ,! table ( 
cont5ts = ?is ,act is z foll[s3 ,sec4   
#a4 ,%ort title2 table ( cont5ts4,sec4  
#b4 ,transportation or tran%ipm5t (     
blank *ecks 9 be>] =m4,sec4 #c4 ,bulk   
ca% smuggl+4,sec4 #d4 ,section #aieg    
violations involv+ comm+l$ funds &      
aggregat$ transactions4,sec4 #e4 ,*>g+  
money laund]+ z a c\rse ( conduct4,sec4 
#f4 ,illegal money s]vices              
bus9esses4,sec4 #g4 ,prohibit+ money    
laund]+ ?r\gh hawalas1 o!r in=mal value 
transf] sy/ems1 & closely relat$        
transactions4,sec4 #h4 ,te*nical am5dm5t
 to re/ore wiretap au?ority = c]ta9     
money laund]+ & c\nt]feit+ (f5ses4,sec4 
#i4 ,mak+ ! int]national money laund]+  
/atute apply to tax evasion4,sec4 #aj4  
,conduct 9 aid ( c\nt]feit+4,sec4 #aa4  
,dang] pay all[ance4,sec4 #ab4          
,cl>ification ( ,secret ,s]vice au?ority
 to inve/igate money laund]+4,sec4 #ac4 
,remittances & money laund]+ ?reat      

analysis4,sec4 #ad4 ,rule ( con/ruction4
  #b4 ,transportation or tran%ipm5t (   
blank *ecks 9 be>] =m ,section #ecaf (  
title #ca1 ,unit$ ,/ates ,code1 is am5d$
 by add+ at ! end ! foll[+3  7e7        
,monet>y in/rum5ts ) am\nt left blank ,=
 purposes ( ?is section1 a monet>y      
in/rum5t 9 be>] =m t has ! am\nt left   
blank1 su* t ! am\nt c\ld be fill$ 9 by 
! be>]1 %all be consid]$ to h a value ( 
m ?an #aj1jjj if ! in/rum5t 0 drawn on  
an acc\nt t conta9$1 or 0 int5d$ to     
conta9 m ?an #aj1jjj at ! "t--  7#a7 !  
in/rum5t 0 transport$2 or  7#b7 !       
in/rum5t 0 negotiat$ or 0 int5d$ to be  
negotiat$4  4  #c4 ,bulk ca% smuggl+    
,section #eccb7;b7 ( title #ca1 ,unit$  
,/ates ,code1 is am5d$-- 7#a7 9 p>agraph
 7#a71 by /rik+ #e ye>s & ins]t+ #aj    
ye>s2  7#b7 by r$esignat+ p>agraphs     
7#b71 7#c71 & 7#d71 z p>agraphs 7#c71   
7#d71 & 7#e71 respectively2  7#c7 by    
ins]t+ aft] p>agraph 7#a7 ! foll[+3     
7#b7 ,f9e  7,a7 ,9 g5]al ,:oev] violates
 ?is section %all be f9$ "u title #ah4  

7,b7 ,enhanc$ f9e = aggravat$ cases     
,:oev] violates ?is section :ile violat+
 ano!r law ( ! ,unit$ ,/ates1 o!r ?an   
section #ecaf or #ecbd7;c7 ( ?is title1 
or z a "p ( a patt]n ( any unlawful     
activity1 includ+ a violation ( section 
#ecaf or #ecbd7;c7 ( ?is title1 %all be 
f9$ d\ble ! am\nt provid$ 9 subsection  
7b77#c7 or 7c77#c7 7z applicable7 (     
section #cega ( title #ah4  2 &  7#d7 9 
p>agraph 7#e71 z r$esignat$1 by /rik+   
p>agraph 7#b7 & ins]t+ p>agraph 7#c74   
#d4 ,section #aieg violations involv+   
comm+l$ funds & aggregat$ transactions  
,section #aieg ( title #ah1 ,unit$      
,/ates ,code1 is am5d$ by add+ at ! end 
! foll[+3  7g7 ,9 a prosecution = an    
(f5se "u ?is section1 ! ,gov]nm5t may   
satisfy ! #aj1jjj monet>y transaction   
value requirem5t "u subsection 7a7 by   
%[+ t--  7#a7 ! monet>y transaction     
involv$ ! transf]1 )drawal1 encumbrance1
 or o!r disposition ( m ?an #aj1jjj f an
 acc\nt 9 :i* m ?an #aj1jjj 9 proce$s ( 
specifi$ unlawful activity 0 comm+l$ )  

o!r funds2 or  7#b7 ! def5dant conduct$ 
a s]ies ( monet>y transactions 9 am\nts 
( n m ?an #aj1jjj t-- 7,a7 exce$$       
#aj1jjj 9 ! aggregate2 &  7,b7 7 closely
 relat$ to ea* o!r z demon/rat$ by      
factors su* z-- 7i7 ! "t p]iod betwe5 ! 
transactions2  7ii7 ! id5tity ( ! p>ties
 involv$2  7iii7 ! nature or purpose ( !
 transactions2 &  7iv7 ! mann] 9 :i* !  
transactions 7 conduct$4  4  #e4 ,*>g+  
money laund]+ z a c\rse ( conduct       
,section #aief ( title #ah1 ,unit$      
,/ates ,code1 is am5d$-- 7#a7 9         
subsection 7h71 by /rik+ or section     
#aieg & ins]t+ 1 section #aieg1 or      
section #aifj2 &  7#b7 by add+ at ! end 
! foll[+3  7j7 ,multiple violations     
,multiple violations ( ?is section t are
 "p ( ! same s*eme or cont9u+ c\rse (   
conduct may be *>g$1 at ! election ( !  
,gov]nm5t1 9 a s+le c\nt 9 an indictm5t 
or in=mation4  4  #f4 ,illegal money    
s]vices bus9esses  7a7 ,9 g5]al ,section
 #aifj ( title #ah1 ,unit$ ,/ates ,code1
 is am5d$ by /rik+ subsections 7a7 & 7b7

 & ins]t+ ! foll[+3  7a7 ,(f5se ,:oev]  
kn[+ly conducts1 controls1 manages1     
sup]vises1 directs1 or owns all or "p ( 
a cov]$ money s]vices bus9ess t--  7#a7 
is op]at$ )\t an appropriate lic5se 9 a 
,/ate :]e su* op]ation is puni%able z a 
misdemeanor or a felony "u ,/ate law1   
:e!r or n ! p]son kn[s t ! op]ation is  
requir$ to be lic5s$ or t ! op]ation is 
s puni%able2  7#b7 fails to comply ) !  
money s]vices bus9ess regi/ration       
requirem5ts "u section #eccj ( title    
#ca1 or regulations prescrib$ "u t      
section1 :e!r or n ! p]son kn[s t !     
op]ation is requir$ to comply ) ^?      
regi/ration requirem5ts2 or  7#c7       
o!rwise engages 9 a transaction involv+ 
funds t ! p]son kn[s h be5 d]iv$ f a    
crim9al (f5se or are int5d$ to be us$ to
 promote or support unlawful activity1  
%all be puni%$ z provid$ 9 subsection   
7b74  7b7 ,crim9al p5alty ,any p]son :o 
violates-- 7#a7 subsection 7a7 %all be  
f9$ 9 accordance ) ?is title1 imprison$ 
= n m ?an #e ye>s1 or bo?2 &  7#b7      

subsection 7a7 by conduct+1 controll+1  
manag+1 sup]vis+1 direct+1 or own+ all  
or "p ( a cov]$ money s]vices bus9ess t 
engag$ 9 activity z a cov]$ money       
s]vices bus9ess involv+ m ?an #a1jjj1jjj
 dur+ a #ab-mon? p]iod1 or by engag+ 9 a
 transaction or transactions involv+ m  
?an #a1jjj1jjj dur+ a #ab-mon? p]iod1   
%all be f9$ d\ble ! am\nt provid$ 9     
subsection 7b77#c7 or 7c77#c7 7z        
applicable7 ( section #cega1 imprison$ =
 n m ?an #aj ye>s1 or bo?4  7c7         
,def9itions ,9 ?is section-- 7#a7 ! t]m 
cov]$ money s]vices bus9ess means a     
money s]vices bus9ess t--  7,a7 op]ates 
on behalf ( ! public2 &  7,b7 affects   
int]/ate or =eign comm]ce 9 any mann] or
 degree2  7#b7 ! t]m money s]vices      
bus9ess--  7,a7 has ! mean+ giv5 ! t]m 9
 section #eccj ( title #ca & any        
regulations prescrib$ "u t section2 &   
7,b7 includes a p]son t engages 9 !     
transf]1 transportation1 or ex*ange (   
curr5cy1 funds1 or value t sub/itutes = 
curr5cy by any & all means1 ev5 :5 n    

p]=m$ = pr(it2 &  7#c7 ! t]m ,/ate means
 any ,/ate ( ! ,unit$ ,/ates1 ! ,di/rict
 ( ,columbia1 ! ,nor!rn ,m>iana ,isl&s1 
& any commonweal?1 t]ritory1 or         
possession ( ! ,unit$ ,/ates4  4  7b7   
,te*nical & con=m+ am5dm5ts  7#a7       
,section #aifj ( title #ah1 ,unit$      
,/ates ,code  7,a7 ,section head+       
,section #aifj ( title #ah1 ,unit$      
,/ates ,code1 is am5d$ 9 ! section      
head+-- 7i7 by /rik+ unlic5s$ & ins]t+  
illegal2 &  7ii7 by /rik+ transmitt+ &  
ins]t+ s]vices4  7,b7 ,table ( sections 
,! table ( sections = *apt] #ie ( title 
#ah1 ,unit$ ,/ates ,code1 is am5d$ by   
/rik+ ! item relat+ to section #aifj &  
ins]t+ ! foll[+3  #aifj4 ,prohibition ( 
illegal money s]vices bus9esses4  4     
7#b7 ,section #eccj ( title #ca1 ,unit$ 
,/ates ,code  7,a7 ,head+s ,section     
#eccj ( title #ca1 ,unit$ ,/ates ,code1 
is am5d$-- 7i7 9 ! section head+1 by    
/rik+ transmitt+ & ins]t+ s]vices2  7ii7
 9 subsection 7c7-- 7,i7 9 ! subsection 
head+1 by /rik+ transmitt+ & ins]t+     

s]vices2  7,,ii7 9 p>agraph 7#a71 9 !   
p>agraph head+1 by /rik+ transmitt+ &   
ins]t+ s]vices2 &  7,,iii7 9 p>agraph   
7#b71 9 ! p>agraph head+1 by /rik+      
transmitt+ & ins]t+ s]vices2 &  7iii7 9 
subsection 7d77#a71 9 ! p>agraph head+1 
by /rik+ transmitt+ & ins]t+ s]vices4   
7,b7 ,text ,section #eccj ( title #ca1  
,unit$ ,/ates ,code1 is am5d$--  7i7 by 
/rik+ money transmitt+ bus9ess ea* place
 t t]m appe>s & ins]t+ money s]vices    
bus9ess2 &  7ii7 9 subsection 7a77#c71  
by /rik+ money transmitt+ bus9esses &   
ins]t+ a money s]vices bus9ess4  7,c7   
,table ( sections ,! table ( sections = 
sub*apt] ,,ii ( *apt] #ec ( title #ca1  
,unit$ ,/ates ,code1 is am5d$ by /rik+ !
 item relat+ to section #eccj & ins]t+ !
 foll[+3  #eccj4 ,regi/ration ( money   
s]vices bus9esses4  4  #g4 ,prohibit+   
money laund]+ ?r\gh hawalas1 o!r in=mal 
value transf] sy/ems1 & closely relat$  
transactions ,! matt] foll[+ section    
#aief7;a77#a77;,b77ii7 ( title #ah1     
,unit$ ,/ates ,code1 is am5d$ by /rik+  

,= purposes ( ?is p>agraph1 a f9ancial  
transaction & ins]t+ ,= purposes ( ?is  
p>agraph & section #aieg1 a f9ancial    
transaction or a monet>y transaction1 z 
applicable14  #h4 ,te*nical am5dm5t to  
re/ore wiretap au?ority = c]ta9 money   
laund]+ & c\nt]feit+ (f5ses  7a7        
,curr5cy report+ (f5ses ,section        
#beaf7a77;g7 ( title #ah1 ,unit$ ,/ates 
,code1 is am5d$ by /rik+ or section     
#ecbd ( title #ca1 ,unit$ ,/ates ,code  
7relat+ to /ructur+ transactions to     
evade report+ requirem5t prohibit$7 &   
ins]t+ or section #ecbd or #eccb ( t    
title 7relat+ to evasion ( ,f$]al       
transaction report+ requirem5ts74  7b7  
,money laund]+ ,section #beaf7a77;c7 (  
title #ah1 ,unit$ ,/ates ,code1 is am5d$
 by ins]t+ section #aifj 7relat+ to     
illegal money s]vices bus9esses71 be=e  
section #fei4  7c7 ,c\nt]feit+ ,section 
#beaf7a77;d7 ( title #ah1 ,unit$ ,/ates 
,code1 is am5d$ by /rik+ or #dgc &      
ins]t+ #dgc1 #dgd1 or #dgd;,a4  #i4     
,mak+ ! int]national money laund]+      

/atute apply to tax evasion ,section    
#aief7;a77#b77;,a7 ( title #ah1 ,unit$  
,/ates ,code1 is am5d$--  7#a7 by ins]t+
 7i7 be=e ) ! int5t to promote2 &  7#b7 
by add+ at ! end ! foll[+3  7ii7 ) !    
int5t to engage 9 conduct con/itut+ a   
violation ( section #gbja or #gbjf ( !  
,int]nal ,rev5ue ,code ( #aihf2 or  4   
#aj4 ,conduct 9 aid ( c\nt]feit+  7a7 ,9
 g5]al ,section #dgd7;a7 ( title #ah1   
,unit$ ,/ates ,code1 is am5d$ by ins]t+ 
aft] ! p>agraph beg9n+ ,:oev] has 9 8   
control1 cu/ody1 or possession any plate
 ! foll[+3  ,:oev]1 ) int5t to defraud1 
has cu/ody1 control1 or possession ( any
 mat]ial1 tool1 ma*9]y1 or o!r equipm5t 
t c be us$ to make1 alt]1 =ge1 or       
c\nt]feit any obligation or o!r security
 ( ! ,unit$ ,/ates or any "p ( su*      
obligation or security1 except "u !     
au?ority ( ! ,secret>y ( ! ,treasury2 or
  4  7b7 ,=eign obligations & securities
 ,section #dha ( title #ah1 ,unit$      
,/ates ,code1 is am5d$ by ins]t+ aft] ! 
p>agraph beg9n+ ,:oev]1 ) int5t to      

defraud ! foll[+3  ,:oev]1 ) int5t to   
defraud1 has cu/ody1 control1 or        
possession ( any mat]ial1 tool1 ma*9]y1 
or o!r equipm5t t c be us$ to make1     
alt]1 =ge1 or c\nt]feit any obligation  
or o!r security ( any =eign gov]nm5t1   
bank1 or corporation2 or  4  7c7        
,c\nt]feit acts ,section #dgj ( title   
#ah1 ,unit$ ,/ates ,code1 is am5d$ by   
/rik+ or #dgd & ins]t+ #dgd1 or #dgd;,a4
  7d7 ,/r5g!n+ det]r5ts to c\nt]feit+   
,section #dgd;,a ( title #ah1 ,unit$    
,/ates ,code1 is am5d$--  7#a7 9        
subsection 7a71 by ins]t+ 1 cu/ody1 aft]
 control2  7#b7 9 subsection 7b7--  7,a7
 by ins]t+ 1 cu/ody1 aft] control2 &    
7,b7 by /rik+ any ess5tially id5tical   
feature or device adapt$ to ! mak+ ( any
 su* obligation or security1 & ins]t+   
any mat]ial or o!r ?+ made aft] or 9    
similitude ( any su* det]r5t12 &  7#c7  
by add+ at ! end ! foll[+3  7d7 ,:oev]  
has 9 8 control1 cu/ody1 or possession  
any obligation or security ( ! ,unit$   
,/ates or any =eign gov]nm5t f :i* ! ink

 or o!r di/9ctive c\nt]feit det]r5t has 
be5 completely or p>tially remov$1      
except "u ! au?ority ( ! ,secret>y ( !  
,treasury1 is guilty ( a class ,b       
felony4  4  #aa4 ,dang] pay all[ance    
,section #aea ( ! ,=eign ,relations     
,au?orization ,act1 ,fiscal ,ye>s #aiij 
& #aiia 7#e ,u4,s4,c4 #eibh note7 is    
am5d$ by /rik+ ,drug ,en=cem5t          
,adm9i/ration or ,f$]al ,bureau (       
,inve/igation & ins]t+ ,drug ,en=cem5t  
,adm9i/ration1 ! ,f$]al ,bureau (       
,inve/igation1 ,u4,s4 ,immigration &    
,cu/oms ,en=cem5t1 ,u4,s4 ,cu/oms &     
,bord] ,protection1 or ! ,unit$ ,/ates  
,secret ,s]vice4  #ab4 ,cl>ification (  
,secret ,s]vice au?ority to inve/igate  
money laund]+ ,section #cjef7;b77#c7 (  
title #ah1 ,unit$ ,/ates ,code1 is      
am5d$-- 7#a7 by ins]t+ money laund]+1   
/ructur$ transactions1 aft] docum5ts or 
devices12 &  7#b7 by /rik+ f$]ally      
insur$4  #ac4 ,remittances & money      
laund]+ ?reat analysis  7a7 ,def9itions 
,9 ?is section--  7#a7 ! t]m appropriate

 congressional committees means-- 7,a7 !
 ,committee on ! ,judici>y ( ! ,s5ate2  
7,b7 ! ,committee on ,homel& ,security &
 ,gov]nm5tal ,affairs ( ! ,s5ate2  7,c7 
! ,caucus on ,int]national ,n>cotics    
,control ( ! ,s5ate2  7,d7 ! ,committee 
on ,bank+1 ,h\s+1 & ,urban ,affairs ( ! 
,s5ate2  7,e7 ! ,committee on !         
,judici>y ( ! ,h\se ( ,repres5tatives2  
7,f7 ! ,committee on ,homel& ,security (
 ! ,h\se ( ,repres5tatives2 &  7,g7 !   
,committee on ,f9ancial ,s]vices ( !    
,h\se ( ,repres5tatives2  7#b7 ! t]m    
drug k+p9s1 crime syndicates1 & o!r     
p]sons1 ) respect to ! use ( remittances
 to f9ance t]rorism1 n>cotics traffick+1
 human traffick+1 money laund]+1 & o!r  
=ms ( illicit f9anc+1 dome/ically or    
int]nationally1 means any p]sons :o--   
7,a7 are connect$ to individuals &      
organizations associat$ ) f9anc+        
t]rorism1 n>cotics traffick+1 human     
traffick+1 money laund]+1 & o!r =ms (   
illicit f9anc+1 dome/ically or          
int]nationally2 &  7,b7 h be5 designat$ 

z-- 7i7 a significant =eign n>cotics    
traffick] "u ! ,=eign ,n>cotics ,k+p9   
,designation ,act 7#ba ,u4,s4,c4 #aija  
et seq472  7ii7 a significant           
transnational crim9al organization "u   
,executive ,ord] #aceha 7#gf ,f$4 ,reg4 
#ddgeg1 #hd ,f$4 ,reg4 #ajbee2 relat+ to
 block+ prop]ty ( transnational crim9al 
organizations72 or  7iii7 a ,specially  
,designat$ ,global ,t]rori/ "u          
,executive ,ord] #acbbd 7#ff ,f$4 ,reg4 
#dijgi1 #fg ,f$4 ,reg4 #ddgea1 #fh ,f$4 
,reg4 #djge1 #gj ,f$4 ,reg4 #hdii2      
relat+ to block+ prop]ty & prohibit+    
transactions ) p]sons :o commit1 ?reat5 
to commit1 or support t]rorism72  7#c7 !
 t]m human traffick+ has ! mean+ giv5 ! 
t]m sev]e =ms ( traffick+ 9 p]sons 9    
section #ajc ( ! ,traffick+ ,victims    
,protection ,act ( #bjjj 7#bb ,u4,s4,c4 
#gajb72  7#d7 ! t]m money s]vices       
bus9ess has ! mean+ giv5 ! t]m 9 section
 #eccj ( title #ca1 ,unit$ ,/ates ,code1
 z am5d$ by section #f7;b77#b72 &  7#e7 
! t]m money transmitt+ s]vice has !     

mean+ giv5 ! t]m 9 section #eccj ( title
 #ca1 ,unit$ ,/ates ,code4  7b7         
,analysis  7#a7 ,requirem5t ,n lat] ?an 
#a ye> aft] ! date ( ! enactm5t ( ?is   
,act1 ! ,secret>y ( ! ,treasury1 9      
consultation ) ! ,attorney ,g5]al1 !    
,secret>y ( ,homel& ,security1 & ! head 
( any o!r appropriate ,f$]al law        
en=cem5t ag5cy1 %all submit to !        
appropriate congressional committees a  
?reat & op]ational analysis ( ! use (   
remittances by drug k+p9s1 crime        
syndicates1 & o!r p]sons to f9ance      
t]rorism1 n>cotics traffick+1 human     
traffick+1 money laund]+1 & o!r =ms (   
illicit f9anc+1 dome/ically or          
int]nationally4  7#b7 ,cont5ts ,!       
,secret>y ( ! ,treasury %all include 9 !
 ?reat & op]ational analysis requir$ "u 
p>agraph 7#a7 ! foll[+3  7,a7 ,curr5t & 
pot5tial ?reats pos$ by individuals &   
organiz$ gr\ps seek+-- 7i7 to exploit   
security vuln]abilities ) respect to    
remittances & money transmitt+ s]vices2 
or  7ii7 to unlawfully use remittances  

to f9ance t]rorism1 n>cotics traffick+1 
human traffick+1 money laund]+1 or o!r  
=ms ( illicit f9anc+1 dome/ically or    
int]nationally4  7,b7 ,me?ods & pa?ways 
us$ to exploit security vuln]abilities4 
7,c7 ,*all5ges pres5t$ by id5tity !ft 9 
! use ( remittances & money transmitt+  
s]vices4  7,d7 ,improvem5ts ne$$ to     
enhance coop]ation betwe5 & among       
,f$]al1 ,/ate1 & local (ficials1 includ+
 ,/ate regulators1 ,/ate & local        
prosecutors1 & o!r law en=cem5t         
(ficials4  7,e7 ,improvem5ts ne$$ to    
enhance coop]ation betwe5 money s]vices 
bus9esses & ,f$]al1 ,/ate1 & local      
(ficials1 includ+ ,/ate regulators1     
,/ate & local prosecutors1 & o!r law    
en=cem5t (ficials4  7#c7 ,analysis      
requirem5ts ,9 compil+ ! ?reat &        
op]ational analysis requir$ "u p>agraph 
7#a71 ! ,secret>y ( ! ,treasury1 9      
consultation ) ! ,attorney ,g5]al1 !    
,secret>y ( ,homel& ,security1 & ! head 
( any o!r appropriate ,f$]al law        
en=cem5t ag5cy1 %all consid] & exam9e ! 

p]sonnel ne$s1 te*nology ne$s1 &        
infra/ructure ne$s ( ,f$]al law en=cem5t
 ag5cies4  7c7 ,remittances /rategy &   
implem5tation plan  7#a7 ,9 g5]al ,n    
lat] ?an #ahj days aft] ! date on :i* ! 
,secret>y ( ! ,treasury submits ! ?reat 
analysis "u subsection 7b71 & e #e ye>s 
!reaft] = #aj ye>s1 ! ,secret>y ( !     
,treasury1 9 consultation ) ! ,attorney 
,g5]al1 ! ,secret>y ( ,homel& ,security1
 & ! head ( any o!r appropriate ,f$]al  
law en=cem5t ag5cy1 %all submit to !    
appropriate congressional committees a  
remittances /rategy & implem5tation     
plan4  7#b7 ,cont5ts ,9 prep>+ !        
remittances /rategy & implem5tation plan
 "u p>agraph 7#a71 ! ,secret>y ( !      
,treasury %all consid] ! foll[+3  7,a7  
,! remittances ?reat & op]ational       
analysis requir$ "u subsection 7b71 ) an
 emphasis on ef=ts to mitigate ?reats & 
*all5ges id5tifi$ 9 ! analysis4  7,b7   
,ef=ts to r$uce ! use ( remittances &   
money transmitt+ s]vices by drug k+p9s1 
crime syndicates1 & o!r p]sons to f9ance

 t]rorism1 n>cotics traffick+1 human    
traffick+1 money laund]+1 & o!r =ms (   
illicit f9anc+1 dome/ically or          
int]nationally4  7,c7 ,ef=ts to prev5t  
human traffick+ & ! unlawful movem5t (  
illicit drugs & o!r contrab& ?r\gh ! use
 ( remittances & money transmitt+       
s]vices1 & /&>ds aga9/ :i* !            
effectiv5ess ( ^? ef=ts may be det]m9$4 
7,d7 ,ef=ts to focus collection &       
in=mation analysis to disrupt           
transnational crim9al organizations     
attempt+ to exploit security            
vuln]abilities1 & /&>ds aga9/ :i* !     
effectiv5ess ( ^? ef=ts may be det]m9$4 
7,e7 ,p]sonnel1 te*nology1 &            
infra/ructure ne$s ( ,f$]al law en=cem5t
 ag5cies4  7,f7 ,ef=ts to prev5t1       
detect1 inve/igate1 & mitigate money    
laund]+ activities ?r\gh remittances &  
money transmitt+ s]vices1 & /&>ds aga9/ 
:i* ! effectiv5ess ( ^? ef=ts may be    
det]m9$4  7,g7 ,! lawful use (          
remittances1 ! role t remittances play 9
 c\ntries' economies1 & h[ any recomm5d$

 measures w\ld impose additional burd5s 
on remittances 9 light ( _! lawful uses4
  #ad4 ,rule ( con/ruction ,no?+ 9 ?is  
,act1 or any am5dm5t made by ?is ,act1  
%all be con/ru$ to apply to ! au?oriz$  
law en=cem5t1 protective1 or intellig5ce
 activities ( ! ,unit$ ,/ates or ( an   
intellig5ce ag5cy ( ! ,unit$ ,/ates4    
,july #bc1 #bjai,report$ ) an am5dm5t