,i  #aaith ,,congress  #ast ,session    
,h4 ,r4 #cfbi  ,,in ,,the ,,house ,,of  
,,representatives  ,may #bi1 #bjbe,mr4  
,fitzpatrick 7for himself and ,mr4      
,keating7 introduced the following bill2
 which was referred to the ,committee on
 ,financial ,services1 and in addition  
to the ,committee on ,foreign ,affairs1 
for a period to be subsequently         
determined by the ,speaker1 in each case
 for consideration of such provisions as
 fall within the jurisdiction of the    
committee concerned  ,a ,,bill  ,to     
increase the role of the financial      
industry in combating human trafficking4
  #a4 ,short title ,this ,act may be    
cited as the ,end ,banking for ,human   
,traffickers ,act of #bjbe4  #b4        
,increasing the role of the financial   
industry in combating human trafficking 
7a7 ,required review of procedures ,not 
later than #ahj days after the date of  
the enactment of this ,act1 the         
,financial ,institutions ,examination   
,council1 in consultation with the      

,secretary of the ,treasury1 the private
 sector1 victims of severe forms of     
trafficking in persons1 advocates of    
persons at risk of becoming victims of  
severe forms of trafficking in persons1 
and appropriate law enforcement         
agencies1 shall--  7#a7 review and      
enhance training and examinations       
procedures to improve the capabilities  
of anti-money laundering and countering 
the financing of terrorism programs to  
detect financial transactions relating  
to severe forms of trafficking in       
persons2  7#b7 review and enhance       
procedures for referring potential cases
 relating to severe forms of trafficking
 in persons to the appropriate law      
enforcement agency2 and  7#c7 determine1
 as appropriate1 whether requirements   
for financial institutions are          
sufficient to detect and deter money    
laundering relating to severe forms of  
trafficking in persons4  7b7            
,interagency task force recommendations 
targeting money laundering related to   

human trafficking  7#a7 ,in general ,not
 later than #bgj days after the date of 
the enactment of this ,act1 the         
,interagency ,task ,force ,to ,monitor  
and ,combat ,trafficking shall submit to
 the ,committee on ,financial ,services 
and the ,committee on the ,judiciary of 
the ,house of ,representatives1 the     
,committee on ,banking1 ,housing1 and   
,urban ,affairs and the ,committee on   
the ,judiciary of the ,senate1 and the  
head of each ,federal banking agency--  
7,a7 an analysis of anti-money          
laundering efforts of the ,united       
,states ,government and ,united ,states 
financial institutions relating to      
severe forms of trafficking in persons2 
and  7,b7 appropriate legislative1      
administrative1 and other               
recommendations to strengthen efforts   
against money laundering relating to    
severe forms of trafficking in persons4 
7#b7 ,required recommendations ,the     
recommendations under paragraph 7#a7    
shall include-- 7,a7 feedback from      

financial institutions on best practices
 of successful programs to combat severe
 forms of trafficking in persons        
currently in place that may be suitable 
for broader adoption by similarly       
situated financial institutions2  7,b7  
feedback from stakeholders1 including   
victims of severe forms of trafficking  
in persons1 advocates of persons at risk
 of becoming victims of severe forms of 
trafficking in persons1 and financial   
institutions1 on policy proposals       
derived from the analysis conducted by  
the task force referred to in paragraph 
7#a7 that would enhance the efforts and 
programs of financial institutions to   
detect and deter money laundering       
relating to severe forms of trafficking 
in persons1 including any recommended   
changes to internal policies1           
procedures1 and controls relating to    
severe forms of trafficking in persons2 
7,c7 any recommended changes to training
 programs at financial institutions to  
better equip employees to deter and     

detect money laundering relating to     
severe forms of trafficking in persons2 
7,d7 any recommended changes to expand  
information sharing relating to severe  
forms of trafficking in persons among   
financial institutions and between such 
financial institutions1 appropriate law 
enforcement agencies1 and appropriate   
,federal agencies2 and  7,e7 recommended
 changes1 if necessary1 to existing     
statutory law to more effectively detect
 and deter money laundering relating to 
severe forms of trafficking in persons1 
where such money laundering involves the
 use of emerging technologies and       
virtual currencies4  7c7 ,limitation    
,nothing in this ,act shall be construed
 to-- 7#a7 grant rulemaking authority to
 the ,interagency ,task ,force ,to      
,monitor and ,combat ,trafficking2 or   
7#b7 encourage financial institutions to
 deny services to victims of            
trafficking1 victims of severe forms of 
trafficking in persons1 or individuals  
not responsible for promoting severe    

forms of trafficking in persons4  7d7   
,definitions ,as used in this section-- 
7#a7 the term ,federal banking agency   
has the meaning given the term in       
section #c7q7 of the ,federal ,deposit  
,insurance ,act 7#ab ,u4,s4,c4          
#ahac7q772  7#b7 the term severe forms  
of trafficking in persons has the       
meaning given such term in section #ajc 
of the ,trafficking ,victims ,protection
 ,act of #bjjj 7#bb ,u4,s4,c4 #gajb72   
7#c7 the term ,interagency ,task ,force 
,to ,monitor and ,combat ,trafficking   
means the ,interagency ,task ,force ,to 
,monitor and ,combat ,trafficking       
established by the ,president pursuant  
to section #aje of the ,trafficking     
,victims ,protection ,act of #bjjj 7#bb 
,u4,s4,c4 #gajc72 and  7#d7 the term law
 enforcement agency means an agency of  
the ,united ,states1 a ,state1 or a     
political subdivision of a ,state1      
authorized by law or by a government    
agency to engage in or supervise the    
prevention1 detection1 investigation1 or

 prosecution of any violation of        
criminal or civil law4  #c4 ,minimum    
standards for the elimination of        
trafficking ,section #ajh7;b7 of the    
,trafficking ,victims ,protection ,act  
of #bjjj 7#bb ,u4,s4,c4 #gajf7;b77 is   
amended by adding at the end the        
following new paragraph3  7#ac7 ,whether
 the government of the country1         
consistent with the capacity of the     
country1 has in effect a framework to   
prevent financial transactions involving
 the proceeds of severe forms of        
trafficking in persons1 and is taking   
steps to implement such a framework1    
including by investigating1 prosecuting1
 convicting1 and sentencing individuals 
who attempt or conduct such             
transactions4  4