,,ii #aai? ,,congress #b;d ,session ,s4 #chja ,,9 ,,! ,,s5ate ,,( ,,! ,,unit$ ,,/ates ,febru>y #e1 #bjbf,mr4 ,grassley 7= himself & ,ms4 ,klobu*>7 introduc$ ! foll[+ bill2 :i* 0 read twice & ref]r$ to ! ,committee on ! ,judici>y ,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 ( #bjbf4 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 & t is possess$ by ! be>] = ! purpose ( avoid+ a report+ requirem5t1 %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$-- 7#a7 9 p>agraph 7#a71 by /rik+ #e ye>s & ins]t+ #aj ye>s2 7#b7 9 p>agraph 7#b71 by ins]t+ a be=e s5t5ce2 7#c7 by r$esignat+ p>agraphs 7#c7 & 7#d71 z p>agraphs 7#d71 & 7#e71 respectively2 & 7#d7 by ins]t+ aft] p>agraph 7#b7 ! foll[+3 7#c7 ,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 4 #d4 ,section #aieg violations involv+ comm+l$ funds & aggregat$ transactions ,section #aieg ( title #ah1 ,unit$ ,/ates ,code1 is am5d$-- 7#a7 by r$esignat+ subsection 7f7 z subsection 7g72 & 7#b7 by ins]t+ aft] subsection 7e7 ! foll[+3 7f7 ,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 7k7 ,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 7#a7 ,9 g5]al ,:oev] kn[+ly conducts1 controls1 manages1 sup]vises1 directs1 or owns all or "p ( a cov]$ money s]vices bus9ess describ$ "u p>agraph 7#b7 %all be puni%$ z provid$ 9 subsection 7b74 7#b7 ,money s]vices bus9esses describ$ ,a cov]$ money s]vices bus9ess describ$ 9 ?is p>agraph is 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 activity4 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 or 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 ,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 ,title #ca1 ,unit$ ,/ates ,code 7,a7 ,section #eccj 7i7 ,head+s ,section #eccj ( title #ca1 ,unit$ ,/ates ,code1 is am5d$-- 7,i7 9 ! section head+1 by /rik+ transmitt+ & ins]t+ s]vices2 7,,ii7 9 subsection 7c7-- 7aa7 9 ! subsection head+1 by /rik+ transmitt+ & ins]t+ s]vices2 7bb7 9 p>agraph 7#a71 9 ! p>agraph head+1 by /rik+ transmitt+ & ins]t+ s]vices2 & 7cc7 9 p>agraph 7#b71 9 ! p>agraph head+1 by /rik+ transmitt+ & ins]t+ s]vices2 & 7,,iii7 9 subsection 7d77#a71 9 ! p>agraph head+1 by /rik+ transmitt+ & ins]t+ s]vices4 7ii7 ,text ,section #eccj ( title #ca1 ,unit$ ,/ates ,code1 is am5d$-- 7,i7 by /rik+ money transmitt+ bus9ess ea* place t t]m appe>s & ins]t+ money s]vices bus9ess2 & 7,,ii7 9 subsection 7a77#c71 by /rik+ money transmitt+ bus9esses & ins]t+ a money s]vices bus9ess4 7,b7 ,section #eccf ,section #eccf7;a77#aa77;,b77vi7 ( title #ca1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ money transmitt+ bus9ess & ins]t+ money s]vices bus9ess4 7,c7 ,section #ecfb ,section #ecfb ( 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 p>agraph 7#aa77;,e71 9 ! subp>agraph head+1 by /rik+ transmitt+ & ins]t+ s]vices4 7,d7 ,section #ecfc ,section #ecfc7b7 ( title #ca1 ,unit$ ,/ates ,code1 is am5d$ by /rik+ money transmitt+ bus9ess & ins]t+ money s]vices bus9ess4 7,e7 ,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 7#c7 ,f$]al ,deposit ,insurance ,act ,section #ba7;b77#c77;,a7 ( ! ,f$]al ,deposit ,insurance ,act 7#ab ,u4,s4,c4 #ahbi;b7b77#c77;,a77 is am5d$-- 7,a7 9 ! matt] prec$+ clause 7i71 by /rik+ money transmitt+ bus9esses & ins]t+ money s]vices bus9esses 7z t t]m is def9$ 9 section #aifj ( title #ah1 ,unit$ ,/ates ,code72 & 7,b7 9 clause 7ii71 by /rik+ money transmitt+ bus9ess & ins]t+ money s]vices bus9ess4 #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 r$esignat+ subsection 7c7 z subsection 7d72 & 7#d7 by ins]t+ aft] subsection 7b7 ! foll[+3 7c7 ,: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+ or ! ,unit$ ,/ates ,m>%als ,s]vice & ins]t+ ! ,unit$ ,/ates ,m>%als ,s]vice1 ,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 unlic5s$ money transmitt+1 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#b77;,a72 & 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