,i  #aai? ,,congress  #a/ ,session  ,h4 
,r4 #cjff  ,,9 ,,! ,,h\se ,,(           
,,repres5tatives  ,april #bi1 #bjbe,mr4 
,h>rigan introduc$ ! foll[+ bill2 :i* 0 
ref]r$ to ! ,committee on ,f9ancial     
,s]vices  ,a ,,bill  ,to enhance        
f9ancial ov]sight ( comm]cial wire      
transf] companies & prev5t illicit money
 transf]s by crim9al organizations1 & = 
o!r purposes4  #a4 ,%ort title ,?is ,act
 may be cit$ z ! ,f9ancial ,integrity = 
,national ,security ,act or ! ,,f9s     
,act4  #b4 ,f9d+s  7a7 ,f9d+s ,!        
,congress f9ds ! foll[+3  7#a7          
,int]national crim9al organizations1    
includ+ c>tels & t]rori/ gr\ps1 exploit 
unregulat$ comm]cial wire transf]       
s]vices1 su* z ,we/]n ,union1 ,ria1 &   
,,xe1 to facilitate human traffick+1    
drug trade1 & t]rorism4  7#b7 ,unlike   
in/itutional banks1 ^! wire transf]     
companies op]ate ) m9imal regulatory    
ov]sight1 creat+ vuln]abilities 9       
f9ancial crime en=cem5t4  7#c7 ,/r5g!n+ 
ov]sight ( wire transf]s w enhance      

national security & align non-bank      
f9ancial in/itutions ) e/abli%$         
anti-money laund]+ laws & ! ,bank       
,secrecy ,act4  #c4 ,requirem5ts = wire 
transf] s]vice provid]s  7a7 ,9 g5]al   
,section #ecab7;a7 ( title #ca1 ,unit$  
,/ates code is am5d$--  7#a7 9 p>agraph 
7#b7-- 7,a7 by r$esignat+ subp>agraphs  
7,y7 & 7,z7 z subp>agraphs 7,z7 &       
7,,aa71 respectively2 &  7,b7 by ins]t+ 
aft] p>agraph 7,x7 ! foll[+3  7,y7 wire 
transf] s]vice provid]s2  2 &  7#b7 by  
add+ at ! end ! foll[+3  7#g7 ,wire     
transf] s]vice provid] ,! t]m wire      
transf] s]vice provid] means an entity t
 engages 9 ! electronic transf] ( funds 
on behalf ( consum]s or bus9esses1 ei!r 
dome/ically or across int]national      
bord]s1 includ+ b n limit$ to s]vices   
su* z ,we/]n ,union1 ,ria1 ,money,gram1 
,,xe1 & digital remittance plat=ms 7we  
recomm5d aga9/ call+ out specific       
companies z !y *ange ov] "t74  4  7b7   
,rulemak+ ,! ,secret>y ( ! ,treasury    
%all1 n lat] ?an #ahj days aft] ! date (

 ! enactm5t ( ?is ,act1 issues su* rules
 z ! ,secret>y ( ! ,treasury det]m9es   
necess>y to c>ry out ! am5dm5ts made by 
?is section4  7c7 ,effective date ,!    
am5dm5ts made by ?is section %all take  
effect #a ye> aft] ! date ( ! enactm5t (
 ?is section4