IB 

Union Calendar No. 439 

115TH CONGRESS 

2D SESSION H. R. 2219 

[Report No. 115–569, Parts I and II] 

To increase the role of the financial industry in combating human trafficking. 

IN THE HOUSE OF REPRESENTATIVES 

APRIL 27, 2017 

Mr. ROYCE of California (for himself, Mr. KEATING, Mrs. CAROLYN B. MALONEY of New York, and Mrs. LOVE) introduced the following bill; which 

was referred to the Committee on Foreign Affairs, and in addition to the 

Committee on Financial Services, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions 

as fall within the jurisdiction of the committee concerned 

FEBRUARY 20, 2018 

Reported from the Committee on Financial Services with amendments 

[Omit the part struck through and insert the part printed in italic] 

FEBRUARY 23, 2018 

Additional sponsors: Mr. MEEHAN, Mr. FITZPATRICK, Ms. SINEMA, Mr. 

DELANEY, Mr. MEEKS, Mrs. BEATTY, Mr. LYNCH, Mr. MESSER, Mr. 

SIRES, Mr. HULTGREN, Mr. POE of Texas, and Mr. GOTTHEIMER

FEBRUARY 23, 2018 

Reported from the Committee on Foreign Affairs with an amendment; committed to the Committee of the Whole House on the State of the Union 

and ordered to be printed 

[Strike out all after the enacting clause and insert the part printed in boldface roman] 

[For text of introduced bill, see copy of bill as introduced on April 27, 2017] 


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A BILL 

To increase the role of the financial industry in combating 

human trafficking. 


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1 Be it enacted by the Senate and House of Representa2 tives of the United States of America in Congress assembled, 

3 SECTION 1. SHORT TITLE. 

4 This Act may be cited as the ‘‘End Banking for 

5 Human Traffickers Act of 2017’’. 

6 SEC. 2. INCREASING THE ROLE OF THE FINANCIAL INDUS7 TRY IN COMBATING HUMAN TRAFFICKING. 

8 (a) TREASURY AS A MEMBER OF THE PRESIDENT’S

9 INTERAGENCY TASK FORCE TO MONITOR AND COMBAT

10 TRAFFICKING.—Section 105(b) of the Victims of Traf11 ficking and Violence Protection Act of 2000 (22 U.S.C. 

12 7103(b)) is amended by inserting ‘‘the Secretary of the 

13 Treasury,’’ after ‘‘the Secretary of Education,’’. 

14 (b) REQUIRED REVIEW OF PROCEDURES.—Not later 

15 than 180 days after the date of enactment of this Act, 

16 the Financial Institutions Examination Council shall, in 

17 consultation with the Secretary of the Treasury and other 

18 appropriate law enforcement agencies, take the following 

19 actions: 

20 (1) Review and enhance, where necessary, 

21 training and examinations procedures to improve the 

22 ability of anti-money laundering programs to target 

23 human trafficking operations. 


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1 (2) Review and enhance, where necessary, pro2 cedures for referring potential human trafficking 

3 cases to the appropriate law enforcement agency. 

4 (c) INTERAGENCY TASK FORCE RECOMMENDATIONS

5 TARGETING MONEY LAUNDERING RELATED TO HUMAN

6 TRAFFICKING.— 

7 (1) IN GENERAL.—Not later than 180 days 

8 after the date of enactment of this Act, the Inter9 agency Task Force to Monitor and Combat Traf10 ficking shall prepare and submit to Congress, the 

11 Secretary of the Treasury, and each appropriate 

12 Federal banking agency a series of legislative, ad13 ministrative, and regulatory recommendations, if 

14 necessary, to revise anti-money laundering programs 

15 of financial institutions in order to specifically target 

16 money laundering related to human trafficking, as 

17 described in paragraph (2). 

18 (2) REQUIRED RECOMMENDATIONS.—The rec19 ommendations required under paragraph (1) shall, 

20 at a minimum, include the following: 

21 (A) Successful anti-human trafficking pro22 grams currently in place at financial institu23 tions that are suitable for broader adoption. 

24 (B) Recommended changes, if necessary, 

25 to the internal policies, procedures, and controls 


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1 at financial institutions so that such institu2 tions can better deter and detect money laun3 dering related to human trafficking. 

4 (C) Recommended changes, if necessary, to 

5 ongoing employee training programs at finan6 cial institutions so that those institutions can 

7 better equip employees to deter and detect 

8 money laundering related to human trafficking, 

9 including the training of legal counsel, risk 

10 managers, and compliance officers. 

11 (D) Recommended revisions, if necessary, 

12 to existing regulatory requirements and guide13 lines for the reporting of suspicious trans14 actions by financial institutions, as required 

15 pursuant to section 5318(g) of title 31, United 

16 States Code, in order to facilitate the collection 

17 of data on instances of suspected human traf18 ficking. 

19 (d) ADDITIONAL REPORTING REQUIREMENT.—Sec20 tion 110(b) of the Trafficking Victims Protection Act of 

21 2000 (22 U.S.C. 7107(b)) is amended by adding at the 

22 end the following: 

23 ‘‘(4) DESCRIPTION OF EFFORTS OF UNITED

24 STATES TO ELIMINATE MONEY LAUNDERING RE25 LATED TO HUMAN TRAFFICKING.—In addition to the 


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1 information required in the annual report under 

2 paragraph (1) and the interim report under para3 graph (2), the Secretary of State, in consultation 

4 with the Attorney General and the Secretary of the 

5 Treasury, shall include in each such report a de6 scription of efforts of the United States to eliminate 

7 money laundering related to human trafficking and 

8 the number of investigations, arrests, indictments 

9 and convictions in money laundering cases with a 

10 nexus to human trafficking.’’. 

11 (b) REQUIRED REVIEW OF PROCEDURES.—Not later 

12 than 180 days after the date of the enactment of this Act, 

13 the Financial Institutions Examination Council, in con14 sultation with the Secretary of the Treasury, the private 

15 sector, and appropriate law enforcement agencies, shall— 

16 (1) review and enhance training and examina17 tions procedures to improve the capabilities of anti18 money laundering and countering the financing of 

19 terrorism programs to detect human trafficking-re20 lated financial transactions; 

21 (2) review and enhance procedures for referring 

22 potential human trafficking cases to the appropriate 

23 law enforcement agency; and 

24 (3) determine, as appropriate, whether require25 ments for financial institutions are sufficient to detect 


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1 and deter money laundering related to human traf2 ficking. 

3 (c) INTERAGENCY TASK FORCE RECOMMENDATIONS

4 TARGETING MONEY LAUNDERING RELATED TO HUMAN

5 TRAFFICKING.— 

6 (1) IN GENERAL.—Not later than 270 days after 

7 the date of the enactment of this Act, the Interagency 

8 Task Force to Monitor and Combat Trafficking shall 

9 submit to the Committee on Financial Services and 

10 the Committee on the Judiciary of the House of Rep11 resentatives, the Committee on Banking, Housing, 

12 and Urban Affairs and the Committee on the Judici13 ary of the Senate, and the head of each appropriate 

14 Federal banking agency— 

15 (A) an analysis of anti-money laundering 

16 efforts of the United States Government and 

17 United States financial institutions related to 

18 human trafficking; and 

19 (B) appropriate legislative, administrative, 

20 and other recommendations to strengthen efforts 

21 against money laundering relating to human 

22 trafficking. 

23 (2) REQUIRED RECOMMENDATIONS.—The rec24 ommendations under paragraph (1) shall include— 


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1 (A) feedback from financial institutions on 

2 best practices of successful anti-human traf3 ficking programs currently in place that may be 

4 suitable for broader adoption by similarly situ5 ated financial institutions; 

6 (B) feedback from stakeholders, including 

7 trafficking victims and financial institutions, on 

8 policy proposals derived from the analysis con9 ducted by the task force referred to in paragraph 

10 (1) that would enhance the efforts and programs 

11 of financial institutions to detect and deter 

12 money laundering related to human trafficking, 

13 including any recommended changes to internal 

14 policies, procedures, and controls related to 

15 human trafficking; 

16 (C) any recommended changes to training 

17 programs at financial institutions to better 

18 equip employees to deter and detect money laun19 dering related to human trafficking; 

20 (D) any recommended changes to expand 

21 human trafficking-related information sharing 

22 among financial institutions and between such 

23 financial institutions, appropriate law enforce24 ment agencies, and appropriate Federal agencies; 

25 and 


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1 (E) recommended changes, if necessary, to 

2 existing statutory law to more effectively detect 

3 and deter money laundering related to human 

4 trafficking, where such money laundering in5 volves the use of emerging technologies and vir6 tual currencies. 

7 (e) (d) LIMITATION.—Nothing in this Act shall be 

8 construed to grant rulemaking authority to the Inter9 agency Task Force to Monitor and Combat Trafficking. 

10 (f) (e) DEFINITIONS.—As used in this section— 

11 (1) the term ‘‘anti-money laundering program’’ 

12 means any program established by a financial insti13 tution pursuant to section 5318(h) of title 31, 

14 United States Code; 

15 (2) (1) the term ‘‘appropriate Federal banking 

16 agency’’ has the meaning given the term in section 

17 3(q) of the Federal Deposit Insurance Act (12 

18 U.S.C. 1813(q)); 

19 (3) (2) the term ‘‘human trafficking’’ means— 

20 (A) sex trafficking in which a commercial 

21 sex act is induced by force, fraud, or coercion, 

22 or in which the person induced to perform such 

23 act has not attained 18 years of age; or 

24 (B) the recruitment, harboring, transpor25 tation, provision, or obtaining of a person for 


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1 labor or services, through the use of force, 

2 fraud, or coercion for the purpose of subjection 

3 to involuntary servitude, peonage, debt bondage, 

4 or slavery; 

5 (4) (3) the term ‘‘Interagency Task Force to 

6 Monitor and Combat Trafficking’’ means the Inter7 agency Task Force to Monitor and Combat Traf8 ficking established by the President pursuant to sec9 tion 105 of the Victims of Trafficking and Violence 

10 Protection Act of 2000 (22 U.S.C. 7103); and 

11 (5) (4) the term ‘‘law enforcement agency’’ 

12 means an agency of the United States, a State, or 

13 a political subdivision of a State, authorized by law 

14 or by a government agency to engage in or supervise 

15 the prevention, detection, investigation, or prosecu16 tion of any violation of criminal or civil law. 

17 SEC. 3. COORDINATION OF HUMAN TRAFFICKING ISSUES 

18 BY THE OFFICE OF TERRORISM AND FINAN19 CIAL INTELLIGENCE. 

20 (a) FUNCTIONS.—Section 312(a)(4) of title 31, United 

21 States Code, is amended— 

22 (1) by redesignating subparagraphs (E), (F), 

23 and (G) as subparagraphs (F), (G), and (H), respec24 tively; and 


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1 (2) by inserting after subparagraph (D) the fol2 lowing: 

3 ‘‘(E) combating illicit financing relating to 

4 human trafficking;’’. 

5 (b) INTERAGENCY COORDINATION.—Section 312(a) of 

6 title 31, United States Code, is amended by adding at the 

7 end the following: 

8 ‘‘(8) INTERAGENCY COORDINATION.—The Sec9 retary of the Treasury, after consultation with the 

10 Undersecretary for Terrorism and Financial Crimes, 

11 shall designate an office within the OTFI that shall 

12 coordinate efforts to combat the illicit financing of 

13 human trafficking with— 

14 ‘‘(A) other offices of the Department of the 

15 Treasury; 

16 ‘‘(B) other Federal agencies, including— 

17 ‘‘(i) the Office to Monitor and Combat 

18 Trafficking in Persons of the Department of 

19 State; and 

20 ‘‘(ii) the Interagency Task Force to 

21 Monitor and Combat Trafficking; 

22 ‘‘(C) State and local law enforcement agen23 cies; and 

24 ‘‘(D) foreign governments.’’. 


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1 SEC. 4. ADDITIONAL REPORTING REQUIREMENT UNDER 

2 THE TRAFFICKING VICTIMS PROTECTION ACT 

3 OF 2000. 

4 Section 105(d)(7) of the Trafficking Victims Protection 

5 Act of 2000 (22 U.S.C. 7103(d)(7)) is amended— 

6 (1) in the matter preceding subparagraph (A)— 

7 (A) by inserting ‘‘the Committee on Finan8 cial Services,’’ after ‘‘the Committee on Foreign 

9 Affairs,’’; and 

10 (B) by inserting ‘‘the Committee on Bank11 ing, Housing, and Urban Affairs,’’ after ‘‘the 

12 Committee on Foreign Relations,’’; 

13 (2) in subparagraph (Q)(vii), by striking ‘‘; 

14 and’’ and inserting a semicolon; 

15 (3) in subparagraph (R), by striking the period 

16 at the end and inserting ‘‘; and’’; and 

17 (4) by adding at the end the following: 

18 ‘‘(S) the efforts of the United States to 

19 eliminate money laundering related to human 

20 trafficking and the number of investigations, ar21 rests, indictments, and convictions in money 

22 laundering cases with a nexus to human traf23 ficking.’’. 

24 Be it enacted by the Senate and House of Representa25 tives of the United States of America in Congress assembled, 


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1 SECTION 1. SHORT TITLE. 

2 This Act may be cited as the ‘‘End Bank3 ing for Human Traffickers Act of 2017’’. 

4 SEC. 2. INCREASING THE ROLE OF THE FINANCIAL INDUS5 TRY IN COMBATING HUMAN TRAFFICKING. 

6 (a) TREASURY AS A MEMBER OF THE PRESI7 DENT’S INTERAGENCY TASK FORCE TO MONITOR

8 AND COMBAT TRAFFICKING.—Section 105(b) of 

9 the Victims of Trafficking and Violence Pro10 tection Act of 2000 (22 U.S.C. 7103(b)) is 

11 amended by inserting ‘‘the Secretary of the 

12 Treasury,’’ after ‘‘the Secretary of Edu13 cation,’’. 

14 (b) REQUIRED REVIEW OF PROCEDURES.— 

15 Not later than 180 days after the date of en16 actment of this Act, the Financial Institutions 

17 Examination Council shall, in consultation 

18 with the Secretary of the Treasury and other 

19 appropriate law enforcement agencies, take 

20 the following actions: 

21 (1) Review and enhance, where nec22 essary, training and examinations proce23 dures to improve the ability of anti24 money laundering programs to target 

25 human trafficking operations. 


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1 (2) Review and enhance, where nec2 essary, procedures for referring potential 

3 human trafficking cases to the appro4 priate law enforcement agency. 

5 (c) INTERAGENCY TASK FORCE REC6 OMMENDATIONS TARGETING MONEY LAUNDERING

7 RELATED TO HUMAN TRAFFICKING.— 

8 (1) IN GENERAL.—Not later than 180 

9 days after the date of enactment of this 

10 Act, the Interagency Task Force to Mon11 itor and Combat Trafficking shall pre12 pare and submit to Congress, the Sec13 retary of the Treasury, and each appro14 priate Federal banking agency a series of 

15 legislative, administrative, and regu16 latory recommendations, if necessary, to 

17 revise anti-money laundering programs 

18 of financial institutions in order to spe19 cifically target money laundering related 

20 to human trafficking, as described in 

21 paragraph (2). 

22 (2) REQUIRED RECOMMENDATIONS.—The 

23 recommendations required under para24 graph (1) shall, at a minimum, include 

25 the following: 


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1 (A) Successful anti-human traf2 ficking programs currently in place 

3 at financial institutions that are suit4 able for broader adoption. 

5 (B) Recommended changes, if nec6 essary, to the internal policies, proce7 dures, and controls at financial insti8 tutions so that such institutions can 

9 better deter and detect money laun10 dering related to human trafficking. 

11 (C) Recommended changes, if nec12 essary, to ongoing employee training 

13 programs at financial institutions so 

14 that those institutions can better 

15 equip employees to deter and detect 

16 money laundering related to human 

17 trafficking, including the training of 

18 legal counsel, risk managers, and 

19 compliance officers. 

20 (D) Recommended revisions, if 

21 necessary, to existing regulatory re22 quirements and guidelines for the re23 porting of suspicious transactions by 

24 financial institutions, as required 

25 pursuant to section 5318(g) of title 31, 


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1 United States Code, in order to facili2 tate the collection of data on in3 stances of suspected human traf4 ficking. 

5 (d) ADDITIONAL REPORTING REQUIRE6 MENT.—Section 110(b) of the Trafficking Vic7 tims Protection Act of 2000 (22 U.S.C. 7107(b)) 

8 is amended by adding at the end the fol9 lowing: 

10 ‘‘(4) DESCRIPTION OF EFFORTS OF

11 UNITED STATES TO ELIMINATE MONEY LAUN12 DERING RELATED TO HUMAN TRAFFICKING.— 

13 In addition to the information required 

14 in the annual report under paragraph (1) 

15 and the interim report under paragraph 

16 (2), the Secretary of State, in consultation 

17 with the Attorney General and the Sec18 retary of the Treasury, shall include in 

19 each such report a description of efforts 

20 of the United States to eliminate money 

21 laundering related to human trafficking 

22 and the number of investigations, arrests, 

23 indictments and convictions in money 

24 laundering cases with a nexus to human 

25 trafficking.’’. 


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1 (e) LIMITATION.—Nothing in this Act shall 

2 be construed to grant rulemaking authority to 

3 the Interagency Task Force to Monitor and 

4 Combat Trafficking. 

5 (f) DEFINITIONS.—As used in this section— 

6 (1) the term ‘‘anti-money laundering 

7 program’’ means any program established 

8 by a financial institution pursuant to sec9 tion 5318(h) of title 31, United States 

10 Code; 

11 (2) the term ‘‘appropriate Federal 

12 banking agency’’ has the meaning given 

13 the term in section 3(q) of the Federal 

14 Deposit Insurance Act (12 U.S.C. 1813(q)); 

15 (3) the term ‘‘human trafficking’’ 

16 means— 

17 (A) sex trafficking in which a 

18 commercial sex act is induced by 

19 force, fraud, or coercion, or in which 

20 the person induced to perform such 

21 act has not attained 18 years of age; 

22 or 

23 (B) the recruitment, harboring, 

24 transportation, provision, or obtain25 ing of a person for labor or services, 


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1 through the use of force, fraud, or co2 ercion for the purpose of subjection 

3 to involuntary servitude, peonage, 

4 debt bondage, or slavery; 

5 (4) the term ‘‘Interagency Task Force 

6 to Monitor and Combat Trafficking’’ 

7 means the Interagency Task Force to 

8 Monitor and Combat Trafficking estab9 lished by the President pursuant to sec10 tion 105 of the Victims of Trafficking and 

11 Violence Protection Act of 2000 (22 U.S.C. 

12 7103); and 

13 (5) the term ‘‘law enforcement agen14 cy’’ means an agency of the United States, 

15 a State, or a political subdivision of a 

16 State, authorized by law or by a govern17 ment agency to engage in or supervise 

18 the prevention, detection, investigation, 

19 or prosecution of any violation of crimi20 nal or civil law. 

21 SEC. 3. MINIMUM STANDARDS FOR THE ELIMINATION OF 

22 TRAFFICKING. 

23 Section 108(b) of the Trafficking Victims 

24 Protection Act of 2000 (22 U.S.C. 7106(b)) is 


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1 amended by adding at the end the following 

2 new paragraph: 

3 ‘‘(13) Whether the government of the 

4 country, consistent with the capacity of 

5 the country, has in effect a framework to 

6 prevent financial transactions involving 

7 the proceeds of severe forms of traf8 ficking in persons, and is taking steps to 

9 implement such a framework, including 

10 by investigating, prosecuting, convicting, 

11 and sentencing individuals who attempt 

12 or conduct such transactions.’’. 


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Union Calendar No. 439 

115TH CONGRESS 

2D SESSION H. R. 2219 

[Report No. 115–569, Parts I and II] 

A BILL 

To increase the role of the financial industry in 

combating human trafficking. 

FEBRUARY 23, 2018 

Reported from the Committee on Foreign Affairs with an 

printed House on the State of the Union and ordered to be amendment; committed to the Committee of the Whole 


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