I 
113TH CONGRESS 
1ST SESSION H. R. 1184 
To amend title 31, United States Code, to provide for lessened penalties 
for certain violations of the anti-structuring laws when violations are 
with respect to certain domestic financial institutions and are not taken 
in connection with another crime, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
MARCH 14, 2013 
Mr. HARRIS introduced the following bill; which was referred to the Committee 
on Financial Services 
A BILL 
To amend title 31, United States Code, to provide for less-
ened penalties for certain violations of the anti-struc-
turing laws when violations are with respect to certain 
domestic financial institutions and are not taken in con-
nection with another crime, and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Small Business De-
posit Relief Act of 2013’’. 
VerDate Mar 14 2013 
05:21 Mar 21, 2013
Jkt 029200
PO 00000
Frm 00001
Fmt 6652
Sfmt 6201
E:\BILLS\H1184.IH
H1184
smartinez on DSK6TPTVN1PROD with BILLS
SEC. 2. LIMITATION ON PENALTIES FOR CERTAIN STRUC-
TURING NOT INVOLVING ANOTHER CRIME. 
Section 5324 of title 31, United States Code, is 
amended— 
(1) in subsection (d)— 
(A) by redesignating paragraph (2) as 
paragraph (3); and 
(B) by inserting after paragraph (1) the 
following: 
‘‘(2) LIMITATION ON CRIMINAL PENALTIES FOR 
CERTAIN NON-AGGRAVATED CASES.— 
‘‘(A) IN GENERAL.—Notwithstanding para-
graph (1), but subject to paragraph (3), who-
ever violates this section shall be fined in ac-
cordance with title 18, United States Code, im-
prisoned for not more than 1 year, or both, 
where such violation— 
‘‘(i) was of section 5324(a); 
‘‘(ii) was not made while also violating 
another law of the United States; and 
‘‘(iii) was made with respect to a 
transaction involving a domestic financial 
institution described under subparagraphs 
(A) through (F) of section 5312(a)(2). 
‘‘(B) NO IMPRISONMENT FOR FIRST OF-
FENSE.—Notwithstanding subparagraph (A), a 
VerDate Mar 14 2013 
05:21 Mar 21, 2013
Jkt 029200
PO 00000
Frm 00002
Fmt 6652
Sfmt 6201
E:\BILLS\H1184.IH
H1184
smartinez on DSK6TPTVN1PROD with BILLS
person committing a violation described under 
that subparagraph shall not be subject to im-
prisonment for such violation if the person has 
not previously been convicted of a violation de-
scribed under such subparagraph.’’; and 
(2) by adding at the end the following: 
‘‘(e) LIMITATION ON PROPERTY FORFEITURE AND 
MONETARY PENALTIES FOR CERTAIN STRUCTURING NOT 
INVOLVING ANOTHER CRIME.—With respect to a viola-
tion, the aggregate amount of property forfeited under 
section 5317(c)(1), property seized and forfeited under 
section 5317(c)(2), any money penalty imposed under sec-
tion 5321(a)(4)(A), and any fine imposed under sub-
section (d) may not exceed 10 percent of the amount of 
coins and currency (or such other monetary instruments 
as the Secretary may prescribe) involved in the transaction 
with respect to which the violation occurred, if the viola-
tion— 
‘‘(1) was of section 5324(a); 
‘‘(2) was not made while also violating another 
law of the United States; and 
‘‘(3) was made with respect to a transaction in-
volving a domestic financial institution described 
VerDate Mar 14 2013 
05:21 Mar 21, 2013
Jkt 029200
PO 00000
Frm 00003
Fmt 6652
Sfmt 6201
E:\BILLS\H1184.IH
H1184
smartinez on DSK6TPTVN1PROD with BILLS
under subparagraphs (A) through (F) of section 
5312(a)(2).’’. 
Æ 
VerDate Mar 14 2013 
05:21 Mar 21, 2013
Jkt 029200
PO 00000
Frm 00004
Fmt 6652
Sfmt 6301
E:\BILLS\H1184.IH
H1184
smartinez on DSK6TPTVN1PROD with BILLS