IIB 
115TH CONGRESS 
2D SESSION 
H. R. 6411 
IN THE SENATE OF THE UNITED STATES 
SEPTEMBER 17, 2018 
Received; read twice and referred to the Committee on Banking, Housing, and 
Urban Affairs 
AN ACT 
To amend the duties of the Financial Crimes Enforcement 
Network (FinCEN) to ensure FinCEN works with Tribal 
law enforcement agencies, protects against all forms of 
terrorism, and focuses on virtual currencies. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
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SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘FinCEN Improvement 
Act of 2018’’. 
SEC. 2. FINDINGS. 
The Congress finds the following: 
(1) The mission of the Financial Crimes En-
forcement Network (FinCEN) is to safeguard the fi-
nancial system from illicit use and combat money 
laundering and promote national security through 
the collection, analysis, and dissemination of finan-
cial intelligence and strategic use of financial au-
thorities. 
(2) In its mission to safeguard the financial 
system from the abuses of financial crime, including 
terrorist financing, money laundering and other il-
licit activity, the United States should prioritize 
working with partners in Federal, State, local, Trib-
al, and foreign law enforcement authorities. 
(3) The Federal Bureau of Investigation has 
stated that since the terror attacks on September 
11, 2001, ‘‘The threat landscape has expanded con-
siderably, though it is important to note that the 
more traditional threat posed by al Qaeda and its af-
filiates is still present and active. The threat of do-
mestic terrorism also remains persistent overall, with 
actors crossing the line from First Amendment pro-
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tected rights to committing crimes to further their 
political agenda.’’. 
(4) Although the use and trading of virtual cur-
rencies are legal practices, some terrorists and crimi-
nals, including international criminal organizations, 
seek to exploit vulnerabilities in the global financial 
system and are increasingly using emerging payment 
methods such as virtual currencies to move illicit 
funds. 
(5) In carrying out its mission, FinCEN should 
prioritize all forms of terrorism and emerging meth-
ods of terrorism and illicit finance. 
SEC. 3. STRENGTHENING FINCEN. 
Section 310 of title 31, United States Code, is 
amended— 
(1) in paragraph (C)— 
(A) in clause (i), by striking ‘‘appropriate 
Federal, State, local, and foreign law enforce-
ment agencies’’ and inserting ‘‘appropriate Fed-
eral, State, local, Tribal, and foreign law en-
forcement agencies’’; and 
(B) in clause (vi), by striking ‘‘to protect 
against international terrorism’’ and inserting 
‘‘to protect against terrorism’’; 
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(2) in paragraph (E), by striking ‘‘appropriate 
Federal, State, local, and foreign law enforcement 
authorities’’ and inserting ‘‘appropriate Federal, 
State, local, Tribal, and foreign law enforcement au-
thorities’’; 
(3) in paragraph (F), by striking ‘‘Federal, 
State, local, and foreign law enforcement’’ and in-
serting ‘‘Federal, State, local, Tribal, and foreign 
law enforcement’’; and 
(4) in paragraph (H), by striking ‘‘anti-ter-
rorism and anti-money laundering initiatives, and 
similar efforts’’ and inserting ‘‘anti-terrorism and 
anti-money laundering initiatives, including matters 
involving emerging technologies or value that sub-
stitutes for currency, and similar efforts’’. 
Passed the House of Representatives September 12, 
2018. 
Attest: 
KAREN L. HAAS, 
Clerk. 
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