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SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘End Banking for 
Human Traffickers Act of 2018’’. 
SEC. 2. INCREASING THE ROLE OF THE FINANCIAL INDUS-
TRY IN COMBATING HUMAN TRAFFICKING. 
(a) TREASURY AS A MEMBER OF THE PRESIDENT’S 
INTERAGENCY TASK FORCE TO MONITOR AND COMBAT 
TRAFFICKING.—Section 105(b) of the Victims of Traf-
ficking and Violence Protection Act of 2000 (22 U.S.C. 
7103(b)) is amended by inserting ‘‘the Secretary of the 
Treasury,’’ after ‘‘the Secretary of Education,’’. 
(b) REQUIRED REVIEW OF PROCEDURES.—Not later 
than 180 days after the date of the enactment of this Act, 
the Financial Institutions Examination Council, in con-
sultation with the Secretary of the Treasury, the private 
sector, and appropriate law enforcement agencies, shall— 
(1) review and enhance training and examina-
tions procedures to improve the capabilities of anti- 
money laundering and countering the financing of 
terrorism programs to detect financial transactions 
relating to severe forms of trafficking in persons; 
(2) review and enhance procedures for referring 
potential cases relating to severe forms of trafficking 
in persons to the appropriate law enforcement agen-
cy; and 
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(3) determine, as appropriate, whether require-
ments for financial institutions are sufficient to de-
tect and deter money laundering relating to severe 
forms of trafficking in persons. 
(c) INTERAGENCY TASK FORCE RECOMMENDATIONS 
TARGETING MONEY LAUNDERING RELATED TO HUMAN 
TRAFFICKING.— 
(1) IN
GENERAL.—Not later than 270 days 
after the date of the enactment of this Act, the 
Interagency Task Force to Monitor and Combat 
Trafficking shall submit to the Committee on Finan-
cial Services and the Committee on the Judiciary of 
the House of Representatives, the Committee on 
Banking, Housing, and Urban Affairs and the Com-
mittee on the Judiciary of the Senate, and the head 
of each appropriate Federal banking agency— 
(A) an analysis of anti-money laundering 
efforts of the United States Government and 
United States financial institutions relating to 
severe forms of trafficking in persons; and 
(B) appropriate legislative, administrative, 
and other recommendations to strengthen ef-
forts against money laundering relating to se-
vere forms of trafficking in persons. 
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(2) REQUIRED RECOMMENDATIONS.—The rec-
ommendations under paragraph (1) shall include— 
(A) feedback from financial institutions on 
best practices of successful programs to combat 
severe forms of trafficking in persons currently 
in place that may be suitable for broader adop-
tion by similarly situated financial institutions; 
(B) feedback from stakeholders, including 
victims of severe forms of trafficking in persons 
and financial institutions, on policy proposals 
derived from the analysis conducted by the task 
force referred to in paragraph (1) that would 
enhance the efforts and programs of financial 
institutions to detect and deter money laun-
dering relating to severe forms of trafficking in 
persons, including any recommended changes to 
internal policies, procedures, and controls relat-
ing to severe forms of trafficking in persons; 
(C) any recommended changes to training 
programs at financial institutions to better 
equip employees to deter and detect money 
laundering relating to severe forms of traf-
ficking in persons; 
(D) any recommended changes to expand 
information sharing relating to severe forms of 
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trafficking in persons among financial institu-
tions and between such financial institutions, 
appropriate law enforcement agencies, and ap-
propriate Federal agencies; and 
(E) recommended changes, if necessary, to 
existing statutory law to more effectively detect 
and deter money laundering relating to severe 
forms of trafficking in persons, where such 
money laundering involves the use of emerging 
technologies and virtual currencies. 
(d) LIMITATION.—Nothing in this Act shall be con-
strued to grant rulemaking authority to the Interagency 
Task Force to Monitor and Combat Trafficking. 
(e) DEFINITIONS.—As used in this section— 
(1) the term ‘‘appropriate Federal banking 
agency’’ has the meaning given the term in section 
3(q) of the Federal Deposit Insurance Act (12 
U.S.C. 1813(q)); 
(2) the term ‘‘severe forms of trafficking in per-
sons’’ has the meaning given such term in section 
103 of the Trafficking Victims Protection Act of 
2000 (22 U.S.C. 7102); 
(3) the term ‘‘Interagency Task Force to Mon-
itor and Combat Trafficking’’ means the Interagency 
Task Force to Monitor and Combat Trafficking es-
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tablished by the President pursuant to section 105 
of the Victims of Trafficking and Violence Protec-
tion Act of 2000 (22 U.S.C. 7103); and 
(4) the term ‘‘law enforcement agency’’ means 
an agency of the United States, a State, or a polit-
ical subdivision of a State, authorized by law or by 
a government agency to engage in or supervise the 
prevention, detection, investigation, or prosecution of 
any violation of criminal or civil law. 
SEC. 3. COORDINATION OF HUMAN TRAFFICKING ISSUES 
BY THE OFFICE OF TERRORISM AND FINAN-
CIAL INTELLIGENCE. 
(a) FUNCTIONS.—Section 312(a)(4) of title 31, 
United States Code, is amended— 
(1) by redesignating subparagraphs (E), (F), 
and (G) as subparagraphs (F), (G), and (H), respec-
tively; and 
(2) by inserting after subparagraph (D) the fol-
lowing: 
‘‘(E) combating illicit financing relating to 
severe forms of trafficking in persons;’’. 
(b) INTERAGENCY COORDINATION.—Section 312(a) 
of title 31, United States Code, is amended by adding at 
the end the following: 
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‘‘(8) INTERAGENCY COORDINATION.—The Sec-
retary of the Treasury, after consultation with the 
Undersecretary for Terrorism and Financial Crimes, 
shall designate an office within the OTFI that shall 
coordinate efforts to combat the illicit financing of 
severe forms of trafficking in persons with— 
‘‘(A) other offices of the Department of the 
Treasury; 
‘‘(B) other Federal agencies, including— 
‘‘(i) the Office to Monitor and Combat 
Trafficking in Persons of the Department 
of State; and 
‘‘(ii) the Interagency Task Force to 
Monitor and Combat Trafficking; 
‘‘(C) State and local law enforcement agen-
cies; and 
‘‘(D) foreign governments.’’. 
(c) DEFINITION.—Section 312(a) of title 31, United 
States Code, as amended by this section, is further amend-
ed by adding at the end the following: 
‘‘(9) DEFINITION.—In this subsection, the term 
‘severe forms of trafficking in persons’ has the 
meaning given such term in section 103 of the Traf-
ficking Victims Protection Act of 2000 (22 U.S.C. 
7102).’’. 
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