II 

117TH CONGRESS 

2D SESSION S. 3697 

To improve the prohibitions on money laundering, and for other purposes. 

IN THE SENATE OF THE UNITED STATES 

FEBRUARY 17, 2022 

Mr. GRASSLEY (for himself, Mr. WHITEHOUSE, Mr. CORNYN, Ms. KLOBUCHAR, and Mrs. FEINSTEIN) introduced the following bill; which was 

read twice and referred to the Committee on the Judiciary 

A BILL 

To improve the prohibitions on money laundering, and for 

other purposes. 

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; TABLE OF CONTENTS. 

4 (a) SHORT TITLE.—This Act may be cited as the 

5 ‘‘Combating Money Laundering, Terrorist Financing, and 

6 Counterfeiting Act of 2022’’. 

7 (b) TABLE OF CONTENTS.—The table of contents for 

8 this Act is as follows: 

Sec. 1. Short title; table of contents. 

Sec. 2. Transportation or transhipment of blank checks in bearer form. 

Sec. 3. Bulk cash smuggling. 

Sec. 4. Section 1957 violations involving commingled funds and aggregated 

transactions. 


kjohnson on DSK79L0C42PROD with BILLS
2 

•S 3697 IS

Sec. 5. Charging money laundering as a course of conduct. 

Sec. 6. Illegal money services businesses. 

Sec. 7. Prohibiting money laundering through hawalas, other informal value 

transfer systems, and closely related transactions. 

Sec. 8. Technical amendment to restore wiretap authority for certain money 

laundering and counterfeiting offenses. 

Sec. 9. Making the international money laundering statute apply to tax evasion. 

Sec. 10. Conduct in aid of counterfeiting. 

Sec. 11. Danger pay allowance. 

Sec. 12. Clarification of Secret Service authority to investigate money laundering. 

Sec. 13. Remittances and money laundering threat analysis. 

Sec. 14. Rule of construction. 

1 SEC. 2. TRANSPORTATION OR TRANSHIPMENT OF BLANK 

2 CHECKS IN BEARER FORM. 

3 Section 5316 of title 31, United States Code, is 

4 amended by adding at the end the following: 

5 ‘‘(e) MONETARY INSTRUMENTS WITH AMOUNT LEFT

6 BLANK.—For purposes of this section, a monetary instru7 ment in bearer form that has the amount left blank, such 

8 that the amount could be filled in by the bearer, and that 

9 is possessed by the bearer for the purpose of avoiding a 

10 reporting requirement, shall be considered to have a value 

11 of more than $10,000 if the instrument was drawn on an 

12 account that contained, or was intended to contain more 

13 than $10,000 at the time— 

14 ‘‘(1) the instrument was transported; or 

15 ‘‘(2) the instrument was negotiated or was in16 tended to be negotiated.’’. 

17 SEC. 3. BULK CASH SMUGGLING. 

18 Section 5332(b) of title 31, United States Code, is 

19 amended— 


kjohnson on DSK79L0C42PROD with BILLS
3 

•S 3697 IS

1 (1) in paragraph (1), by striking ‘‘5 years’’ and 

2 inserting ‘‘10 years’’; 

3 (2) by redesignating paragraphs (2), (3), and 

4 (4), as paragraphs (3), (4), and (5), respectively; 

5 (3) by inserting after paragraph (1) the fol6 lowing: 

7 ‘‘(2) FINE.— 

8 ‘‘(A) IN GENERAL.—Whoever violates this 

9 section shall be fined under title 18. 

10 ‘‘(B) ENHANCED FINE FOR AGGRAVATED

11 CASES.—Whoever violates this section while vio12 lating another law of the United States, other 

13 than section 5316 or 5324(c) of this title, or as 

14 a part of a pattern of any unlawful activity, in15 cluding a violation of section 5316 or 5324(c) 

16 of this title, shall be fined double the amount 

17 provided in subsection (b)(3) or (c)(3) (as ap18 plicable) of section 3571 of title 18.’’; and 

19 (4) in paragraph (5), as redesignated, by strik20 ing ‘‘paragraph (2)’’ and inserting ‘‘paragraph (3)’’. 

21 SEC. 4. SECTION 1957 VIOLATIONS INVOLVING COMMIN22 GLED FUNDS AND AGGREGATED TRANS23 ACTIONS. 

24 Section 1957 of title 18, United States Code, is 

25 amended by adding at the end the following: 


kjohnson on DSK79L0C42PROD with BILLS
4 

•S 3697 IS

1 ‘‘(g) In a prosecution for an offense under this sec2 tion, the Government may satisfy the $10,000 monetary 

3 transaction value requirement under subsection (a) by 

4 showing that— 

5 ‘‘(1) the monetary transaction involved the 

6 transfer, withdrawal, encumbrance, or other disposi7 tion of more than $10,000 from an account in which 

8 more than $10,000 in proceeds of specified unlawful 

9 activity was commingled with other funds; or 

10 ‘‘(2) the defendant conducted a series of mone11 tary transactions in amounts of not more than 

12 $10,000 that— 

13 ‘‘(A) exceeded $10,000 in the aggregate; 

14 and 

15 ‘‘(B) were closely related to each other as 

16 demonstrated by factors such as— 

17 ‘‘(i) the time period between the 

18 transactions; 

19 ‘‘(ii) the identity of the parties in20 volved; 

21 ‘‘(iii) the nature or purpose of the 

22 transactions; and 

23 ‘‘(iv) the manner in which the trans24 actions were conducted.’’. 


kjohnson on DSK79L0C42PROD with BILLS
5 

•S 3697 IS

1 SEC. 5. CHARGING MONEY LAUNDERING AS A COURSE OF 

2 CONDUCT. 

3 Section 1956 of title 18, United States Code, is 

4 amended— 

5 (1) in subsection (h), by striking ‘‘or section 

6 1957’’ and inserting ‘‘, section 1957, or section 

7 1960’’; and 

8 (2) by adding at the end the following: 

9 ‘‘(j) MULTIPLE VIOLATIONS.—Multiple violations of 

10 this section that are part of the same scheme or con11 tinuing course of conduct may be charged, at the election 

12 of the Government, in a single count in an indictment or 

13 information.’’. 

14 SEC. 6. ILLEGAL MONEY SERVICES BUSINESSES. 

15 (a) IN GENERAL.—Section 1960 of title 18, United 

16 States Code, is amended by striking subsections (a) and 

17 (b) and inserting the following: 

18 ‘‘(a) OFFENSE.—Whoever knowingly conducts, con19 trols, manages, supervises, directs, or owns all or part of 

20 a covered money services business that— 

21 ‘‘(1) is operated without an appropriate license 

22 in a State where such operation is punishable as a 

23 misdemeanor or a felony under State law, whether 

24 or not the person knows that the operation is re25 quired to be licensed or that the operation is so pun26 ishable; 


kjohnson on DSK79L0C42PROD with BILLS
6 

•S 3697 IS

1 ‘‘(2) fails to comply with the money services 

2 business registration requirements under section 

3 5330 of title 31, or regulations prescribed under 

4 that section, whether or not the person knows that 

5 the operation is required to comply with those reg6 istration requirements; or 

7 ‘‘(3) otherwise engages in a transaction involv8 ing funds that the person knows have been derived 

9 from a criminal offense or are intended to be used 

10 to promote or support unlawful activity, 

11 shall be punished as provided in subsection (b). 

12 ‘‘(b) CRIMINAL PENALTY.—Any person who vio13 lates— 

14 ‘‘(1) subsection (a) shall be fined in accordance 

15 with this title, imprisoned for not more than 5 years, 

16 or both; and 

17 ‘‘(2) subsection (a) by conducting, controlling, 

18 managing, supervising, directing, or owning all or 

19 part of a covered money services business that en20 gaged in activity as a covered money services busi21 ness involving more than $1,000,000 during a 12- 

22 month period, or by engaging in a transaction or 

23 transactions involving more than $1,000,000 during 

24 a 12-month period, shall be fined double the amount 

25 provided in subsection (b)(3) or (c)(3) (as applicaVerDate Sep 11 2014 01:06 Feb 24, 2022 Jkt 029200 PO 00000 Frm 00006 Fmt 6652 Sfmt 6201 E:\BILLS\S3697.IS S3697

kjohnson on DSK79L0C42PROD with BILLS
7 

•S 3697 IS

1 ble) of section 3571, imprisoned for not more than 

2 10 years, or both. 

3 ‘‘(c) DEFINITIONS.—In this section— 

4 ‘‘(1) the term ‘covered money services business’ 

5 means a money services business that— 

6 ‘‘(A) operates on behalf of the public; and 

7 ‘‘(B) affects interstate or foreign commerce 

8 in any manner or degree; 

9 ‘‘(2) the term ‘money services business’— 

10 ‘‘(A) has the meaning given the term in 

11 section 5330 of title 31 and any regulations 

12 prescribed under that section; and 

13 ‘‘(B) includes a person that engages in the 

14 transfer, transportation, or exchange of cur15 rency, funds, or value that substitutes for cur16 rency by any and all means, even when not per17 formed for profit; and 

18 ‘‘(3) the term ‘State’ means any State of the 

19 United States, the District of Columbia, the North20 ern Mariana Islands, and any commonwealth, terri21 tory, or possession of the United States.’’. 

22 (b) TECHNICAL AND CONFORMING AMENDMENTS.— 

23 (1) SECTION 1960 OF TITLE 18, UNITED STATES

24 CODE.— 


kjohnson on DSK79L0C42PROD with BILLS
8 

•S 3697 IS

1 (A) SECTION HEADING.—Section 1960 of 

2 title 18, United States Code, is amended in the 

3 section heading— 

4 (i) by striking ‘‘unlicensed’’ and 

5 inserting ‘‘illegal’’; and 

6 (ii) by striking ‘‘transmitting’’ and 

7 inserting ‘‘services’’. 

8 (B) TABLE OF SECTIONS.—The table of 

9 sections for chapter 95 of title 18, United 

10 States Code, is amended by striking the item 

11 relating to section 1960 and inserting the fol12 lowing: 

‘‘1960. Prohibition of illegal money services businesses.’’. 

13 (2) SECTION 5330 OF TITLE 31, UNITED STATES

14 CODE.— 

15 (A) HEADINGS.—Section 5330 of title 31, 

16 United States Code, is amended— 

17 (i) in the section heading, by striking 

18 ‘‘transmitting’’ and inserting ‘‘serv19 ices’’; 

20 (ii) in subsection (c)— 

21 (I) in the subsection heading, by 

22 striking ‘‘TRANSMITTING’’ and insert23 ing ‘‘SERVICES’’; 

24 (II) in paragraph (1), in the 

25 paragraph heading, by striking 


kjohnson on DSK79L0C42PROD with BILLS
9 

•S 3697 IS

1 ‘‘TRANSMITTING’’ and inserting 

2 ‘‘SERVICES’’; and 

3 (III) in paragraph (2), in the 

4 paragraph heading, by striking 

5 ‘‘TRANSMITTING’’ and inserting 

6 ‘‘SERVICES’’; and 

7 (iii) in subsection (d)(1), in the para8 graph heading, by striking ‘‘TRANSMIT9 TING’’ and inserting ‘‘SERVICES’’. 

10 (B) TEXT.—Section 5330 of title 31, 

11 United States Code, is amended— 

12 (i) by striking ‘‘money transmitting 

13 business’’ each place that term appears 

14 and inserting ‘‘money services business’’; 

15 and 

16 (ii) in subsection (a)(3), by striking 

17 ‘‘money transmitting businesses’’ and in18 serting ‘‘a money services business’’. 

19 (C) TABLE OF SECTIONS.—The table of 

20 sections for subchapter II of chapter 53 of title 

21 31, United States Code, is amended by striking 

22 the item relating to section 5330 and inserting 

23 the following: 

‘‘5330. Registration of money services businesses.’’. 


kjohnson on DSK79L0C42PROD with BILLS
10 

•S 3697 IS

1 SEC. 7. PROHIBITING MONEY LAUNDERING THROUGH 

2 HAWALAS, OTHER INFORMAL VALUE TRANS3 FER SYSTEMS, AND CLOSELY RELATED 

4 TRANSACTIONS. 

5 The matter following section 1956(a)(1)(B)(ii) of 

6 title 18, United States Code, is amended by striking ‘‘For 

7 purposes of this paragraph, a financial transaction’’ and 

8 inserting ‘‘For purposes of this paragraph and section 

9 1957, a financial transaction or a monetary transaction, 

10 as applicable,’’. 

11 SEC. 8. TECHNICAL AMENDMENT TO RESTORE WIRETAP 

12 AUTHORITY FOR CERTAIN MONEY LAUN13 DERING AND COUNTERFEITING OFFENSES. 

14 (a) CURRENCY REPORTING OFFENSES.—Section 

15 2516(1)(g) of title 18, United States Code, is amended 

16 by striking ‘‘or section 5324 of title 31, United States 

17 Code (relating to structuring transactions to evade report18 ing requirement prohibited)’’ and inserting ‘‘or section 

19 5324 or 5332 of that title (relating to evasion of Federal 

20 transaction reporting requirements)’’. 

21 (b) MONEY LAUNDERING.—Section 2516(1)(c) of 

22 title 18, United States Code, is amended by inserting ‘‘sec23 tion 1960 (relating to illegal money services businesses),’’ 

24 before ‘‘section 659’’. 


kjohnson on DSK79L0C42PROD with BILLS
11 

•S 3697 IS

1 (c) COUNTERFEITING.—Section 2516(1)(d) of title 

2 18, United States Code, is amended by striking ‘‘or 473’’ 

3 and inserting ‘‘473, 474, or 474A’’. 

4 SEC. 9. MAKING THE INTERNATIONAL MONEY LAUNDERING 

5 STATUTE APPLY TO TAX EVASION. 

6 Section 1956(a)(2)(A) of title 18, United States 

7 Code, is amended— 

8 (1) by inserting ‘‘(i)’’ before ‘‘with the intent to 

9 promote’’; and 

10 (2) by adding at the end the following: 

11 ‘‘(ii) with the intent to engage in conduct 

12 constituting a violation of section 7201 or 7206 

13 of the Internal Revenue Code of 1986; or’’. 

14 SEC. 10. CONDUCT IN AID OF COUNTERFEITING. 

15 (a) IN GENERAL.—Section 474(a) of title 18, United 

16 States Code, is amended by inserting after the paragraph 

17 beginning ‘‘Whoever has in his control, custody, or posses18 sion any plate’’ the following: 

19 ‘‘Whoever, with intent to defraud, has custody, con20 trol, or possession of any material, tool, machinery, or 

21 other equipment that can be used to make, alter, forge, 

22 or counterfeit any obligation or other security of the 

23 United States or any part of such obligation or security, 

24 except under the authority of the Secretary of the Treas25 ury; or’’. 


kjohnson on DSK79L0C42PROD with BILLS
12 

•S 3697 IS

1 (b) FOREIGN OBLIGATIONS AND SECURITIES.—Sec2 tion 481 of title 18, United States Code, is amended by 

3 inserting after the paragraph beginning ‘‘Whoever, with 

4 intent to defraud’’ the following: 

5 ‘‘Whoever, with intent to defraud, has custody, con6 trol, or possession of any material, tool, machinery, or 

7 other equipment that can be used to make, alter, forge, 

8 or counterfeit any obligation or other security of any for9 eign government, bank, or corporation; or’’. 

10 (c) COUNTERFEIT ACTS.—Section 470 of title 18, 

11 United States Code, is amended by striking ‘‘or 474’’ and 

12 inserting ‘‘474, or 474A’’. 

13 (d) STRENGTHENING DETERRENTS TO COUNTER14 FEITING.—Section 474A of title 18, United States Code, 

15 is amended— 

16 (1) in subsection (a), by inserting ‘‘, custody,’’ 

17 after ‘‘control’’; 

18 (2) in subsection (b)— 

19 (A) by inserting ‘‘, custody,’’ after ‘‘con20 trol’’; and 

21 (B) by striking ‘‘any essentially identical 

22 feature or device adapted to the making of any 

23 such obligation or security,’’ and inserting ‘‘any 

24 material or other thing made after or in simili25 tude of any such deterrent,’’; and 


kjohnson on DSK79L0C42PROD with BILLS
13 

•S 3697 IS

1 (3) by adding at the end the following: 

2 ‘‘(d) Whoever has in his control, custody, or posses3 sion any obligation or security of the United States or any 

4 foreign government from which the ink or other distinctive 

5 counterfeit deterrent has been completely or partially re6 moved, except under the authority of the Secretary of the 

7 Treasury, is guilty of a class B felony.’’. 

8 SEC. 11. DANGER PAY ALLOWANCE. 

9 Section 151 of the Foreign Relations Authorization 

10 Act, Fiscal Years 1990 and 1991 (5 U.S.C. 5928 note) 

11 is amended by striking ‘‘or the United States Marshals 

12 Service’’ and inserting ‘‘the United States Marshals Serv13 ice, U.S. Immigration and Customs Enforcement, U.S. 

14 Customs and Border Protection, or the United States Se15 cret Service’’. 

16 SEC. 12. CLARIFICATION OF SECRET SERVICE AUTHORITY 

17 TO INVESTIGATE MONEY LAUNDERING. 

18 Section 3056(b)(3) of title 18, United States Code, 

19 is amended— 

20 (1) by inserting ‘‘money laundering, structured 

21 transactions, unlicensed money transmitting,’’ after 

22 ‘‘documents or devices,’’; and 

23 (2) by striking ‘‘federally insured’’. 


kjohnson on DSK79L0C42PROD with BILLS
14 

•S 3697 IS

1 SEC. 13. REMITTANCES AND MONEY LAUNDERING THREAT 

2 ANALYSIS. 

3 (a) DEFINITIONS.—In this section— 

4 (1) the term ‘‘appropriate congressional com5 mittees’’ means— 

6 (A) the Committee on the Judiciary of the 

7 Senate; 

8 (B) the Committee on Homeland Security 

9 and Governmental Affairs of the Senate; 

10 (C) the Caucus on International Narcotics 

11 Control of the Senate; 

12 (D) the Committee on Banking, Housing, 

13 and Urban Affairs of the Senate; 

14 (E) the Committee on the Judiciary of the 

15 House of Representatives; 

16 (F) the Committee on Homeland Security 

17 of the House of Representatives; and 

18 (G) the Committee on Financial Services 

19 of the House of Representatives; 

20 (2) the term ‘‘drug kingpins, crime syndicates, 

21 and other persons’’, with respect to the use of remit22 tances to finance terrorism, narcotics trafficking, 

23 human trafficking, money laundering, and other 

24 forms of illicit financing, domestically or internation25 ally, means any persons who— 


kjohnson on DSK79L0C42PROD with BILLS
15 

•S 3697 IS

1 (A) are connected to individuals and orga2 nizations associated with financing terrorism, 

3 narcotics trafficking, human trafficking, money 

4 laundering, and other forms of illicit financing, 

5 domestically or internationally; and 

6 (B) have been designated as— 

7 (i) a significant foreign narcotics traf8 ficker under the Foreign Narcotics King9 pin Designation Act (21 U.S.C. 1901 et 

10 seq.); 

11 (ii) a significant transnational crimi12 nal organization under Executive Order 

13 13581 (76 Fed. Reg. 44757, 84 Fed. Reg. 

14 10255; relating to blocking property of 

15 transnational criminal organizations); or 

16 (iii) a Specially Designated Global 

17 Terrorist under Executive Order 13224 

18 (66 Fed. Reg. 49079, 67 Fed. Reg. 44751, 

19 68 Fed. Reg. 4075, 70 Fed. Reg. 8499; re20 lating to blocking property and prohibiting 

21 transactions with persons who commit, 

22 threaten to commit, or support terrorism); 

23 (3) the term ‘‘human trafficking’’ has the 

24 meaning given the term ‘‘severe forms of trafficking 


kjohnson on DSK79L0C42PROD with BILLS
16 

•S 3697 IS

1 in persons’’ in section 103 of the Trafficking Victims 

2 Protection Act of 2000 (22 U.S.C. 7102); 

3 (4) the term ‘‘money services business’’ has the 

4 meaning given the term in section 5330 of title 31, 

5 United States Code, as amended by section 6(b)(2); 

6 and 

7 (5) the term ‘‘money transmitting service’’ has 

8 the meaning given the term in section 5330 of title 

9 31, United States Code. 

10 (b) ANALYSIS.— 

11 (1) REQUIREMENT.—Not later than 1 year 

12 after the date of the enactment of this Act, the Sec13 retary of the Treasury, in consultation with the At14 torney General, the Secretary of Homeland Security, 

15 and the head of any other appropriate Federal law 

16 enforcement agency, shall submit to the appropriate 

17 congressional committees a threat and operational 

18 analysis of the use of remittances by drug kingpins, 

19 crime syndicates, and other persons to finance ter20 rorism, narcotics trafficking, human trafficking, 

21 money laundering, and other forms of illicit financ22 ing, domestically or internationally. 

23 (2) CONTENTS.—The Secretary of the Treasury 

24 shall include in the threat and operational analysis 

25 required under paragraph (1) the following: 


kjohnson on DSK79L0C42PROD with BILLS
17 

•S 3697 IS

1 (A) Current and potential threats posed by 

2 individuals and organized groups seeking— 

3 (i) to exploit security vulnerabilities 

4 with respect to remittances and money 

5 transmitting services; or 

6 (ii) to unlawfully use remittances to 

7 finance terrorism, narcotics trafficking, 

8 human trafficking, money laundering, or 

9 other forms of illicit financing, domesti10 cally or internationally. 

11 (B) Methods and pathways used to exploit 

12 security vulnerabilities. 

13 (C) Challenges presented by identity theft 

14 in the use of remittances and money transmit15 ting services. 

16 (D) Improvements needed to enhance co17 operation between and among Federal, State, 

18 and local officials, including State regulators, 

19 State and local prosecutors, and other law en20 forcement officials. 

21 (E) Improvements needed to enhance co22 operation between money services businesses 

23 and Federal, State, and local officials, including 

24 State regulators, State and local prosecutors, 

25 and other law enforcement officials. 


kjohnson on DSK79L0C42PROD with BILLS
18 

•S 3697 IS

1 (3) ANALYSIS REQUIREMENTS.—In compiling 

2 the threat and operational analysis required under 

3 paragraph (1), the Secretary of the Treasury, in 

4 consultation with the Attorney General, the Sec5 retary of Homeland Security, and the head of any 

6 other appropriate Federal law enforcement agency, 

7 shall consider and examine the personnel needs, 

8 technology needs, and infrastructure needs of Fed9 eral law enforcement agencies. 

10 (c) REMITTANCES STRATEGY AND IMPLEMENTATION

11 PLAN.— 

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

13 after the date on which the Secretary of the Treas14 ury submits the threat analysis under subsection (b), 

15 and every 5 years thereafter for 10 years, the Sec16 retary of the Treasury, in consultation with the At17 torney General, the Secretary of Homeland Security, 

18 and the head of any other appropriate Federal law 

19 enforcement agency, shall submit to the appropriate 

20 congressional committees a remittances strategy and 

21 implementation plan. 

22 (2) CONTENTS.—In preparing the remittances 

23 strategy and implementation plan under paragraph 

24 (1), the Secretary of the Treasury shall consider the 

25 following: 


kjohnson on DSK79L0C42PROD with BILLS
19 

•S 3697 IS

1 (A) The remittances threat and operational 

2 analysis required under subsection (b), with an 

3 emphasis on efforts to mitigate threats and 

4 challenges identified in the analysis. 

5 (B) Efforts to reduce the use of remit6 tances and money transmitting services by drug 

7 kingpins, crime syndicates, and other persons to 

8 finance terrorism, narcotics trafficking, human 

9 trafficking, money laundering, and other forms 

10 of illicit financing, domestically or internation11 ally. 

12 (C) Efforts to prevent human trafficking 

13 and the unlawful movement of illicit drugs and 

14 other contraband through the use of remit15 tances and money transmitting services, and 

16 standards against which the effectiveness of 

17 those efforts may be determined. 

18 (D) Efforts to focus collection and infor19 mation analysis to disrupt transnational crimi20 nal organizations attempting to exploit security 

21 vulnerabilities, and standards against which the 

22 effectiveness of those efforts may be deter23 mined. 

24 (E) Personnel, technology, and infrastruc25 ture needs of Federal law enforcement agencies. 


kjohnson on DSK79L0C42PROD with BILLS
20 

•S 3697 IS

1 (F) Efforts to prevent, detect, investigate, 

2 and mitigate money laundering activities 

3 through remittances and money transmitting 

4 services, and standards against which the effec5 tiveness of those efforts may be determined. 

6 (G) The lawful use of remittances, the role 

7 that remittances play in countries’ economies, 

8 and how any recommended measures would im9 pose additional burdens on remittances in light 

10 of their lawful uses. 

11 SEC. 14. RULE OF CONSTRUCTION. 

12 Nothing in this Act, or any amendment made by this 

13 Act, shall be construed to apply to the authorized law en14 forcement, protective, or intelligence activities of the 

15 United States or of an intelligence agency of the United 

16 States. 

Æ 


kjohnson on DSK79L0C42PROD with BILLS