ness, or to an owner or operator of real estate or equip-
ment that is leased to a marijuana-related legitimate busi-
ness, shall not be subject to criminal, civil, or administra-
tive forfeiture of that legal interest pursuant to any Fed-
eral law for providing such loan. 
SEC. 4. RULE OF CONSTRUCTION. 
Nothing in this Act shall require a depository institu-
tion to provide financial services to a marijuana-related 
legitimate business. 
SEC. 5. 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) EXEMPTION FOR MARIJUANA-RELATED LE-
GITIMATE BUSINESSES.— 
‘‘(A) IN
GENERAL.—The Secretary shall 
not require a depository institution, and any di-
rector, officer, employee, or agent of a deposi-
tory institution, to report a transaction as sus-
picious solely because a party to the transaction 
is a marijuana-related legitimate business. 
‘‘(B) DEFINITIONS.—In this paragraph, 
the terms ‘depository institution’ and ‘mari-
juana-related legitimate business’ have the 
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meanings given such terms in the Marijuana 
Businesses Access to Banking Act of 2013.’’. 
SEC. 6. DEFINITIONS. 
In this Act: 
(1) DEPOSITORY INSTITUTION.—The term ‘‘de-
pository institution’’ means— 
(A) a depository institution as defined in 
section 3(c) of the Federal Deposit Insurance 
Act (12 U.S.C. 1813(c)); 
(B) a Federal credit union as defined in 
section 101 of the Federal Credit Union Act 
(12 U.S.C. 1752); or 
(C) a State credit union as defined in sec-
tion 101 of the Federal Credit Union Act (12 
U.S.C. 1752). 
(2) 
FEDERAL
BANKING
REGULATOR.—The 
term ‘‘Federal banking regulator’’ means each of the 
Board of Governors of the Federal Reserve System, 
the Bureau of Consumer Financial Protection, the 
Federal Deposit Insurance Corporation, the Office of 
the Comptroller of the Currency, the National Credit 
Union Administration, or any agency or department 
that regulates banking or financial services, as de-
termined by the Secretary of the Treasury. 
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(3) FINANCIAL SERVICE.—The term ‘‘financial 
service’’ means a financial product or service as de-
fined in section 1002 of the Dodd-Frank Wall Street 
Reform and Consumer Protection Act (12 U.S.C. 
5481). 
(4) MANUFACTURER.—The term ‘‘manufac-
turer’’ means a person who manufactures, com-
pounds, converts, processes, prepares, or packages 
marijuana or marijuana products. 
(5) MARIJUANA-RELATED
LEGITIMATE
BUSI-
NESS.—The 
term 
‘‘marijuana-related 
legitimate 
business’’ means a manufacturer, producer, or any 
person that— 
(A) participates in any business or orga-
nized activity that involves handling marijuana 
or marijuana products, including selling, trans-
porting, displaying, dispensing, or distributing 
marijuana or marijuana products; and 
(B) engages in such activity pursuant to a 
law established by a State or a unit of local 
government. 
(6) MARIJUANA.—The term ‘‘marijuana’’ has 
the meaning given the term ‘‘marihuana’’ in section 
102 of the Controlled Substances Act (21 U.S.C. 
802). 
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(7) MARIJUANA
PRODUCT.—The term ‘‘mari-
juana product’’ means any article which contains 
marijuana, including an article which is a con-
centrate, an edible, a tincture, a marijuana-infused 
product, or a topical. 
(8) PRODUCER.—The term ‘‘producer’’ means a 
person who plants, cultivates, harvests, or in any 
way facilitates the natural growth of marijuana. 
(9) STATE.—The term ‘‘State’’ means each of 
the several States, the District of Columbia, Puerto 
Rico, and any territory or possession of the United 
States. 
Æ 
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