I 
119TH CONGRESS 
1ST SESSION H. R. 5877 
To strengthen the authority of the United States Secret Service to investigate 
various crimes related to digital asset transactions and to counter 
transnational cyber criminal activity, including unlicensed money trans-
mitting businesses, structured transactions, and fraud against financial 
institutions, and for other purposes. 
IN THE HOUSE OF REPRESENTATIVES 
OCTOBER 31, 2025 
Mr. FITZGERALD (for himself, Ms. PETTERSEN, Mr. NUNN of Iowa, and Mr. 
SHERMAN) introduced the following bill; which was referred to the Com-
mittee on Financial Services, and in addition to the Committee on the 
Judiciary, for a period to be subsequently determined by the Speaker, in 
each case for consideration of such provisions as fall within the jurisdic-
tion of the committee concerned 
A BILL 
To strengthen the authority of the United States Secret 
Service to investigate various crimes related to digital 
asset transactions and to counter transnational cyber 
criminal activity, including unlicensed money transmit-
ting businesses, structured transactions, and fraud 
against financial institutions, and for other purposes. 
Be it enacted by the Senate and House of Representa-
tives of the United States of America in Congress assembled, 
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SECTION 1. SHORT TITLE. 
This Act may be cited as the ‘‘Combatting Money 
Laundering in Cyber Crime Act of 2025’’. 
SEC. 2. EXPANSION OF UNITED STATES SECRET SERVICE 
INVESTIGATIVE AUTHORITIES. 
Section 3056(b) of title 18, United States Code, is 
amended— 
(1) in paragraph (1), by striking ‘‘or’’ after 
‘‘871’’ and inserting ‘‘, or 1960’’ after ‘‘879’’; and 
(2) in paragraph (3)— 
(A) by inserting ‘‘money laundering, struc-
tured transactions,’’ after ‘‘documents or de-
vices,’’; 
(B) by striking ‘‘federally insured’’; and 
(C) by inserting ‘‘, as defined in section 
5312 of title 31’’ after ‘‘institution’’. 
SEC. 3. FINCEN EXCHANGE. 
Section 310(d)(3)(A) of title 31, United States Code, 
is amended, in the matter preceding clause (i), by striking 
‘‘5 years’’ and inserting ‘‘10 years’’. 
SEC. 4. INTERNATIONAL FINANCIAL INSTITUTIONS. 
Section 7125(b) of the Otto Warmbier North Korea 
Nuclear Sanctions and Enforcement Act of 2019 (22 
U.S.C. 262p–13 note) is amended by striking ‘‘6’’ and in-
serting ‘‘10’’. 
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SEC. 5. REPORT. 
(a) IN GENERAL.—Not later than 1 year after the 
date of enactment of this Act, the Government Account-
ability Office shall conduct a study and submit to the ap-
propriate committees of Congress a report on the imple-
mentation of section 6102 of the Anti-Money Laundering 
Act of 2020 (title LXI of division F of the William M. 
(Mac) Thornberry National Defense Authorization Act for 
Fiscal Year 2021 (Public Law 116–283; 134 Stat. 4552)). 
(b) FOCUS.—In conducting the study under sub-
section (a), the Government Accountability Office shall 
focus on evaluating the ability of law enforcement to iden-
tify and deter money laundering in cyber crimes. 
Æ 
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