tivity Review – Trends, Tips & Issues’, on not 
less than a semi-annual basis, to provide mean-
ingful information about the preparation, use, 
and value of reports filed under this subsection 
by financial institutions, as well as other re-
ports filed by financial institutions under the 
Bank Secrecy Act. 
‘‘(B) INCLUSION OF TYPOLOGIES.—In each 
publication described under subparagraph (A), 
the Director shall provide financial institutions 
with typologies, including data that can be 
adapted in algorithms (including for artificial 
intelligence and machine learning programs) 
where appropriate, on emerging money laun-
dering and counter terror financing threat pat-
terns and trends. 
‘‘(C) TYPOLOGY DEFINED.—For purposes 
of this paragraph, the term ‘typology’ means 
the various techniques used to launder money 
or finance terrorism.’’. 
SEC. 206. MODERNIZATION AND UPGRADING WHISTLE-
BLOWER PROTECTIONS. 
(a) REWARDS.—Section 5323(d) of title 31, United 
States Code, is amended to read as follows:
‘‘(d) SOURCE OF REWARDS.—For the purposes of 
paying a reward under this section, the Secretary may, 
subject to amounts made available in advance by appro-
priation Acts, use criminal fine, civil penalty, or forfeiture 
amounts recovered based on the original information with 
respect to which the reward is being paid.’’. 
(b) WHISTLEBLOWER INCENTIVES.— 
Chapter 53 of title 31, United States Code, is 
amended— 
(1) by inserting after section 5323 the fol-
lowing: 
‘‘§ 5323A. Whistleblower incentives 
‘‘(a) DEFINITIONS.—In this section: 
‘‘(1) COVERED JUDICIAL OR ADMINISTRATIVE 
ACTION.—The term ‘covered judicial or administra-
tive action’ means any judicial or administrative ac-
tion brought by FinCEN under the Bank Secrecy 
Act that results in monetary sanctions exceeding 
$1,000,000. 
‘‘(2) FINCEN.—The term ‘FinCEN’ means the 
Financial Crimes Enforcement Network. 
‘‘(3) MONETARY SANCTIONS.—The term ‘mone-
tary sanctions’, when used with respect to any judi-
cial or administrative action, means—
‘‘(A) any monies, including penalties, 
disgorgement, and interest, ordered to be paid; 
and 
‘‘(B) 
any 
monies 
deposited 
into 
a 
disgorgement fund as a result of such action or 
any settlement of such action. 
‘‘(4) 
ORIGINAL
INFORMATION.—The 
term 
‘original information’ means information that— 
‘‘(A) is derived from the independent 
knowledge or analysis of a whistleblower; 
‘‘(B) is not known to FinCEN from any 
other source, unless the whistleblower is the 
original source of the information; and 
‘‘(C) is not exclusively derived from an al-
legation made in a judicial or administrative 
hearing, in a governmental report, hearing, 
audit, or investigation, or from the news media, 
unless the whistleblower is a source of the infor-
mation. 
‘‘(5) RELATED ACTION.—The term ‘related ac-
tion’, when used with respect to any judicial or ad-
ministrative action brought by FinCEN, means any 
judicial or administrative action that is based upon 
original information provided by a whistleblower that 
led to the successful enforcement of the action.
‘‘(6) SECRETARY.—The term ‘Secretary’ means 
the Secretary of the Treasury. 
‘‘(7) WHISTLEBLOWER.—The term ‘whistle-
blower’ means any individual who provides, or two or 
more individuals acting jointly who provide, informa-
tion relating to a violation of laws enforced by 
FinCEN, in a manner established, by rule or regula-
tion, by FinCEN. 
‘‘(b) AWARDS.— 
‘‘(1) IN GENERAL.—In any covered judicial or 
administrative action, or related action, the Sec-
retary, under such rules as the Secretary may issue 
and subject to subsection (c), shall pay an award or 
awards to one or more whistleblowers who volun-
tarily provided original information to FinCEN that 
led to the successful enforcement of the covered judi-
cial or administrative action, or related action, in an 
aggregate amount equal to not more than 30 per-
cent, in total, of what has been collected of the mon-
etary sanctions imposed in the action. 
‘‘(2) SOURCE OF AWARDS.—For the purposes of 
paying any award under paragraph (1), the Sec-
retary may, subject to amounts made available in 
advance by appropriation Acts, use monetary sanc-
tion amounts recovered based on the original infor-
mation with respect to which the award is being 
paid. 
‘‘(c) DETERMINATION OF AMOUNT OF AWARD; DE-
NIAL OF AWARD.— 
‘‘(1) 
DETERMINATION
OF
AMOUNT
OF 
AWARD.— 
‘‘(A) DISCRETION.—The determination of 
the amount of an award made under subsection 
(b) shall be in the discretion of the Secretary. 
‘‘(B) CRITERIA.—In responding to a dis-
closure and determining the amount of an 
award made, FinCEN staff shall meet with the 
whistleblower to discuss evidence disclosed and 
rebuttals to the disclosure, and shall take into 
consideration— 
‘‘(i) the significance of the informa-
tion provided by the whistleblower to the 
success of the covered judicial or adminis-
trative action; 
‘‘(ii) the degree of assistance provided 
by the whistleblower and any legal rep-
resentative of the whistleblower in a cov-
ered judicial or administrative action; 
‘‘(iii) the mission of FinCEN in deter-
ring violations of the law by making
awards to whistleblowers who provide in-
formation that lead to the successful en-
forcement of such laws; and 
‘‘(iv) such additional relevant factors 
as the Secretary may establish by rule. 
‘‘(2) DENIAL
OF
AWARD.—No award under 
subsection (b) shall be made— 
‘‘(A) to any whistleblower who is, or was at 
the time the whistleblower acquired the original 
information submitted to FinCEN, a member, 
officer, or employee of— 
‘‘(i) an appropriate regulatory agency; 
‘‘(ii) the Department of Justice; 
‘‘(iii) a self-regulatory organization; or 
‘‘(iv) a law enforcement organization; 
‘‘(B) to any whistleblower who is convicted 
of a criminal violation, or who the Secretary 
has a reasonable basis to believe committed a 
criminal violation, related to the judicial or ad-
ministrative action for which the whistleblower 
otherwise could receive an award under this sec-
tion; 
‘‘(C) to any whistleblower who gains the 
information through the performance of an 
audit of financial statements required under the