(6) the term ‘‘marijuana’’ has the meaning 
given the term ‘‘marihuana’’ in section 102 of the 
Controlled Substances Act (21 U.S.C. 802), as 
amended by this Act; 
(7) the term ‘‘marijuana product’’ means any 
article that contains marijuana, including an article 
that is a concentrate, an edible, a tincture, a mari-
juana-infused product, or a topical; 
(8) the term ‘‘producer’’ means a person who 
plants, cultivates, harvests, or in any way facilitates 
the natural growth of marijuana; and 
(9) the term ‘‘State’’ means each of the several 
States, the District of Columbia, Puerto Rico, and 
any territory or possession of the United States. 
(b) SAFE
HARBOR
FOR
DEPOSITORY
INSTITU-
TIONS.—A Federal banking regulator may not— 
(1) terminate or limit the deposit insurance of 
a depository institution under the Federal Deposit 
Insurance Act (12 U.S.C. 1811 et seq.) or the Fed-
eral Credit Union Act (12 U.S.C. 1751 et seq.) sole-
ly because the depository institution provides or has 
provided financial services to a marijuana-related le-
gitimate business; 
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(2) prohibit, penalize, or otherwise discourage a 
depository institution from providing financial serv-
ices to a marijuana-related legitimate business; 
(3) recommend, incentivize, or encourage a de-
pository institution not to offer financial services to 
an individual, or to downgrade or cancel the finan-
cial services offered to an individual solely because— 
(A) the individual is a manufacturer or 
producer of marijuana; 
(B) the individual is the owner or operator 
of a marijuana-related legitimate business; 
(C) the individual later becomes an owner 
or operator of a marijuana-related legitimate 
business; or 
(D) the depository institution was not 
aware that the individual is the owner or oper-
ator of a marijuana-related legitimate business; 
or 
(4) take any adverse or corrective supervisory 
action on a loan to an owner or operator of— 
(A) a marijuana-related legitimate business 
solely because the owner or operator is a mari-
juana-related business; or 
(B) real estate or equipment that is leased 
to a marijuana-related legitimate business solely 
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because the owner or operator of the real estate 
or equipment leased the real estate or equip-
ment to a marijuana-related business. 
(c) PROTECTIONS UNDER FEDERAL LAW.— 
(1) INVESTIGATION AND PROSECUTION.—A de-
pository institution that provides financial services 
to a marijuana-related legitimate business, or the of-
ficers, directors, and employees of that business, 
shall be immune from Federal criminal prosecution 
or investigation for providing those services. 
(2) FEDERAL CRIMINAL LAW.—A depository in-
stitution that provides financial services to a mari-
juana-related legitimate business shall not be subject 
to a criminal penalty under any Federal law solely 
for providing those services or for further investing 
any income derived from such services. 
(3) FORFEITURE.—A depository institution 
that has a legal interest in the collateral for a loan 
made to an owner or operator of a marijuana-related 
legitimate business, or to an owner or operator of 
real estate or equipment that is leased to a mari-
juana-related legitimate business, shall not be sub-
ject to criminal, civil, or administrative forfeiture of 
that legal interest pursuant to any Federal law for 
providing such loan. 
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(d) EXEMPTION FROM FILING SUSPICIOUS ACTIVITY 
REPORTS.—Section 5318(g) of title 31, United States 
Code, is amended by adding at the end the following: 
‘‘(5) REQUIREMENTS FOR MARIJUANA-RELATED 
LEGITIMATE BUSINESSES.—If a financial institution 
or any director, officer, employee, or agent of a fi-
nancial institution reports a suspicious transaction 
pursuant to this subsection, and the reason for the 
report relates to a marijuana-related business, the 
Secretary shall require that such report complies 
with the requirements of the guidance issued by the 
Financial Crimes Enforcement Network titled ‘BSA 
Expectations Regarding Marijuana-Related Busi-
nesses’ (FIN–2014–G001; published on February 
14, 2014).’’. 
(e) RULE OF CONSTRUCTION.—Nothing in this sec-
tion requires a depository institution to provide financial 
services to a marijuana-related legitimate business. 
SEC. 7. RESEARCH. 
(a) IN GENERAL.—Not later than 180 days after the 
date of enactment of this Act, the Secretary for Health 
and Human Services shall terminate the Public Health 
Service interdisciplinary review process described in the 
guidance entitled ‘‘Guidance on Procedures for the Provi-
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sion of Marijuana for Medical Research’’ (issued on May 
21, 1999). 
(b) LICENSES
FOR MARIJUANA RESEARCH.—Not 
later than 1 year after the date of enactment of this Act, 
the Attorney General, acting through the Drug Enforce-
ment Administration, shall issue not less than 3 licenses 
under section 303 of the Controlled Substances Act (21 
U.S.C. 823) to manufacture marijuana and marijuana-de-
rivatives for research approved by the Food and Drug Ad-
ministration. 
SEC. 8. PROVISION BY DEPARTMENT OF VETERANS AF-
FAIRS HEALTH CARE PROVIDERS OF REC-
OMMENDATIONS AND OPINIONS REGARDING 
VETERAN PARTICIPATION IN STATE MARI-
JUANA PROGRAMS. 
Notwithstanding any other provision of law, the Sec-
retary of Veterans Affairs shall authorize physicians and 
other health care providers employed by the Department 
of Veterans Affairs to— 
(1) provide recommendations and opinions to 
veterans who are residents of States with State 
marijuana programs regarding the participation of 
veterans in such State marijuana programs; and 
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(2) complete forms reflecting such recommenda-
tions and opinions. 
Æ 
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