,,ii  #aag? ,,congress  #b;d ,session   
,s4 #chgf  ,,9 ,,! ,,s5ate ,,( ,,!      
,,unit$ ,,/ates  ,m>* #ag1 #bjbb,mr4    
,w>n] introduc$ ! foll[+ bill2 :i* 0    
read twice & ref]r$ to ! ,committee on  
,bank+1 ,h\s+1 & ,urban ,affairs  ,a    
,,bill  ,to am5d title #ca1 ,unit$      
,/ates ,code1 to au?orize ! ,secret>y ( 
! ,treasury to place prohibitions or    
conditions on c]ta9 transmittals ( funds
 9 connection ) jurisdictions1 f9ancial 
in/itutions1 int]national transactions1 
or types ( acc\nts ( prim>y money       
laund]+ conc]n4  #a4 ,%ort title ,?is   
,act may be cit$ z ! ,special ,measures 
to ,fight ,mod]n ,?reats ,act4  #b4     
,f9d+s ,congress f9ds ! foll[+3 7#a7 ,! 
,f9ancial ,crimes ,en=cem5t ,network 79 
?is section ref]r$ to z ,fin,c,e,n7 is !
 f9ancial intellig5ce unit ( ! ,unit$   
,/ates task$ ) safegu>d+ ! f9ancial     
sy/em f illicit use1 combat+ money      
laund]+ & its relat$ crimes1 includ+    
t]rorism1 & promot+ national security4  
7#b7 ,"u law1 ,fin,c,e,n may require    

dome/ic f9ancial in/itutions & f9ancial 
ag5cies to take c]ta9 special measures  
aga9/ jurisdictions1 in/itutions1       
classes ( transactions1 or types (      
acc\nts det]m9$ to be ( prim>y money    
laund]+ conc]n1 provid+ ! ,secret>y ) a 
range ( options1 su* z enhanc$          
record-keep+1 t c be adapt$ to t>get    
specific money laund]+ & t]rori/ f9anc+ 
& to br+ pressure on ^? t pose money    
laund]+ ?reats4  7#c7 ,?is              
special-measures au?ority 0 grant$ 9    
#bjja1 :5 mo/ cross-bord] transactions  
occurr$ ?r\gh correspond5t or           
payable-?r\gh acc\nts held ) l>ge       
f9ancial in/itutions t s]ve z           
int]m$i>ies to facilitate f9ancial      
transactions on behalf ( o!r banks4     
7#d7 ,innovations 9 f9ancial s]vices h  
trans=m$ & exp&$ me?ods ( cross-bord]   
transactions t c\ld n h be5 envision$   
#bj ye>s ago :5 ,fin,c,e,n 0 giv5 its   
special-measures au?ority4  7#e7 ,^!    
innovations1 p>ticul>ly ?r\gh digital   
assets & in=mal value transf] sy/ems1   

:ile useful to legitimate consum]s & law
 en=cem5t1 c be tools abus$ by bad      
actors l sanctions evad]s1 fraud/]s1    
money laund]]s1 & ^? :o commit ransomw>e
 attacks on victimiz$ ,unit$ ,/ates     
companies & t abuse ! f9ancial sy/em to 
move & obscure ! proce$s ( _! crimes4   
7#f7 ,ransomw>e attacks on ,unit$ ,/ates
 companies requir+ paym5ts 9            
cryptocurr5cies h increas$ 9 rec5t ye>s1
 ) ! ,treasury e/imat+ t ransomw>e      
paym5ts 9 ! ,unit$ ,/ates rea*$         
#eij1jjj1jjj 9 j ! fir/ half ( #bjba1   
comp>$ to a total ( #daf1jjj1jjj 9      
#bjbj4  7#g7 ,9 ,july #bjba1 ! ,:ite    
,h\se1 ) support ( ,unit$ ,/ates allies1
 ass]t$ t ! ,p's ,republic ( ,*9a 0     
responsible = ransomw>e op]ations aga9/ 
private companies t includ$ dem&s (     
millions ( doll>s1 includ+ ! #bjba      
ransomw>e attacks t brea*$ ,micros(t    
email sy/ems & affect$ ?\s&s ( consum]s1
 ,/ate & local municipalities1 &        
gov]nm5t contractors attribut$ to a cyb]
 espionage gr\p ) l9ks to ! ,m9i/ry (   

,/ate ,security ( ! ,p's ,republic (    
,*9a4  7#h7 ,z ransomw>e attacks        
organiz$ by ,*9ese & o!r =eign bad      
actors cont9ue to gr[ 9 size & scope1   
mod]niz+ ! special-measure au?orities ( 
,fin,c,e,n w emp[] ,fin,c,e,n to adapt  
its exi/+ tools1 monitor & ob/ruct      
global f9ancial ?reats1 & meet !        
*all5ges ( combat+ #ba/ c5tury f9ancial 
crime4  #c4 ,prohibitions or conditions 
on c]ta9 transmittals ( funds ,section  
#ecah;,a ( title #ca1 ,unit$ ,/ates     
,code1 is am5d$-- 7#a7 9 subsection     
7a77#b77;,c71 by /rik+ subsection       
7b77#e7 & ins]t+ p>agraphs 7#e7 & 7#f7 (
 subsection 7b72 &  7#b7 9 subsection   
7b7-- 7,a7 9 p>agraph 7#e71 by /rik+ =  
or on behalf ( a =eign bank+ in/itution2
 &  7,b7 by add+ at ! end ! foll[+3     
7#f7 ,prohibitions or conditions on     
c]ta9 transmittals ( funds ,if !        
,secret>y f9ds a jurisdiction outside ( 
! ,unit$ ,/ates1 #a or m f9ancial       
in/itutions op]at+ outside ( ! ,unit$   
,/ates1 #a or m types ( acc\nts )91 or  

involv+1 a jurisdiction outside ( !     
,unit$ ,/ates1 or #a or m classes (     
transactions )91 or involv+1 a          
jurisdiction outside ( ! ,unit$ ,/ates  
to be ( prim>y money laund]+ conc]n1 !  
,secret>y1 9 consultation ) ! ,secret>y 
( ,/ate1 ! ,attorney ,g5]al1 & !        
,*airman ( ! ,bo>d ( ,gov]nors ( !      
,f$]al ,res]ve ,sy/em1 may prohibit1 or 
impose conditions ^u1 c]ta9 transmittals
 ( funds 7z su* t]m may be def9$ by !   
,secret>y 9 a special measure issuance1 
by regulation1 or z o!rwise p]mitt$ by  
law71 to or f any dome/ic f9ancial      
in/itution or dome/ic f9ancial ag5cy if 
su* transmittal ( funds involves any su*
 jurisdiction1 in/itution1 type (       
acc\nt1 or class ( transaction4  4