IB 
Union Calendar No. 439 
115TH CONGRESS 
2D SESSION 
H. R. 2219 
[Report No. 115–569, Parts I and II] 
To increase the role of the financial industry in combating human trafficking. 
IN THE HOUSE OF REPRESENTATIVES 
APRIL 27, 2017 
Mr. ROYCE of California (for himself, Mr. KEATING, Mrs. CAROLYN B. MALO-
NEY of New York, and Mrs. LOVE) introduced the following bill; which 
was referred to the Committee on Foreign Affairs, and in addition to the 
Committee on Financial Services, for a period to be subsequently deter-
mined by the Speaker, in each case for consideration of such provisions 
as fall within the jurisdiction of the committee concerned 
FEBRUARY 20, 2018 
Reported from the Committee on Financial Services with amendments 
[Omit the part struck through and insert the part printed in italic] 
FEBRUARY 23, 2018 
Additional sponsors: Mr. MEEHAN, Mr. FITZPATRICK, Ms. SINEMA, Mr. 
DELANEY, Mr. MEEKS, Mrs. BEATTY, Mr. LYNCH, Mr. MESSER, Mr. 
SIRES, Mr. HULTGREN, Mr. POE of Texas, and Mr. GOTTHEIMER 
FEBRUARY 23, 2018 
Reported from the Committee on Foreign Affairs with an amendment; com-
mitted to the Committee of the Whole House on the State of the Union 
and ordered to be printed 
[Strike out all after the enacting clause and insert the part printed in boldface roman] 
[For text of introduced bill, see copy of bill as introduced on April 27, 2017] 
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A BILL 
To increase the role of the financial industry in combating 
human trafficking. 
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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 ‘‘End Banking for 
Human Traffickers Act of 2017’’. 
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 enactment of this Act, 
the Financial Institutions Examination Council shall, in 
consultation with the Secretary of the Treasury and other 
appropriate law enforcement agencies, take the following 
actions: 
(1)
Review
and
enhance,
where
necessary, 
training and examinations procedures to improve the 
ability of anti-money laundering programs to target 
human trafficking operations. 
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(2) Review and enhance, where necessary, pro-
cedures for referring potential human trafficking 
cases to the appropriate law enforcement agency. 
(c) INTERAGENCY TASK FORCE RECOMMENDATIONS 
TARGETING MONEY LAUNDERING RELATED TO HUMAN 
TRAFFICKING.— 
(1) IN
GENERAL.—Not later than 180 days 
after the date of enactment of this Act, the Inter-
agency Task Force to Monitor and Combat Traf-
ficking shall prepare and submit to Congress, the 
Secretary of the Treasury, and each appropriate 
Federal banking agency a series of legislative, ad-
ministrative, and regulatory recommendations, if 
necessary, to revise anti-money laundering programs 
of financial institutions in order to specifically target 
money laundering related to human trafficking, as 
described in paragraph (2). 
(2) REQUIRED RECOMMENDATIONS.—The rec-
ommendations required under paragraph (1) shall, 
at a minimum, include the following: 
(A) Successful anti-human trafficking pro-
grams currently in place at financial institu-
tions that are suitable for broader adoption. 
(B) Recommended changes, if necessary, 
to the internal policies, procedures, and controls 
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at financial institutions so that such institu-
tions can better deter and detect money laun-
dering related to human trafficking. 
(C) Recommended changes, if necessary, to 
ongoing employee training programs at finan-
cial institutions so that those institutions can 
better equip employees to deter and detect 
money laundering related to human trafficking, 
including the training of legal counsel, risk 
managers, and compliance officers. 
(D) Recommended revisions, if necessary, 
to existing regulatory requirements and guide-
lines for the reporting of suspicious trans-
actions by financial institutions, as required 
pursuant to section 5318(g) of title 31, United 
States Code, in order to facilitate the collection 
of data on instances of suspected human traf-
ficking. 
(d) ADDITIONAL REPORTING REQUIREMENT.—Sec-
tion 110(b) of the Trafficking Victims Protection Act of 
2000 (22 U.S.C. 7107(b)) is amended by adding at the 
end the following: 
‘‘(4) DESCRIPTION
OF
EFFORTS
OF
UNITED 
STATES
TO
ELIMINATE
MONEY
LAUNDERING
RE-
LATED TO HUMAN TRAFFICKING.—In addition to the 
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information required in the annual report under 
paragraph (1) and the interim report under para-
graph (2), the Secretary of State, in consultation 
with the Attorney General and the Secretary of the 
Treasury, shall include in each such report a de-
scription of efforts of the United States to eliminate 
money laundering related to human trafficking and 
the number of investigations, arrests, indictments 
and convictions in money laundering cases with a 
nexus to human trafficking.’’. 
(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 human trafficking-re-
lated financial transactions; 
(2) review and enhance procedures for referring 
potential human trafficking cases to the appropriate 
law enforcement agency; and 
(3) determine, as appropriate, whether require-
ments for financial institutions are sufficient to detect 
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and deter money laundering related to human traf-
ficking. 
(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 Financial Services and 
the Committee on the Judiciary of the House of Rep-
resentatives, the Committee on Banking, Housing, 
and Urban Affairs and the Committee on the Judici-
ary 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 related to 
human trafficking; and 
(B) appropriate legislative, administrative, 
and other recommendations to strengthen efforts 
against money laundering relating to human 
trafficking. 
(2) REQUIRED
RECOMMENDATIONS.—The rec-
ommendations under paragraph (1) shall include— 
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(A) feedback from financial institutions on 
best practices of successful anti-human traf-
ficking programs currently in place that may be 
suitable for broader adoption by similarly situ-
ated financial institutions; 
(B) feedback from stakeholders, including 
trafficking victims and financial institutions, on 
policy proposals derived from the analysis con-
ducted by the task force referred to in paragraph 
(1) that would enhance the efforts and programs 
of financial institutions to detect and deter 
money laundering related to human trafficking, 
including any recommended changes to internal 
policies, procedures, and controls related to 
human trafficking; 
(C) any recommended changes to training 
programs at financial institutions to better 
equip employees to deter and detect money laun-
dering related to human trafficking; 
(D) any recommended changes to expand 
human trafficking-related information sharing 
among financial institutions and between such 
financial institutions, appropriate law enforce-
ment agencies, and appropriate Federal agencies; 
and 
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(E) recommended changes, if necessary, to 
existing statutory law to more effectively detect 
and deter money laundering related to human 
trafficking, where such money laundering in-
volves the use of emerging technologies and vir-
tual currencies. 
(e) (d) LIMITATION.—Nothing in this Act shall be 
construed to grant rulemaking authority to the Inter-
agency Task Force to Monitor and Combat Trafficking. 
(f) (e) DEFINITIONS.—As used in this section— 
(1) the term ‘‘anti-money laundering program’’ 
means any program established by a financial insti-
tution pursuant to section 5318(h) of title 31, 
United States Code; 
(2) (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)); 
(3) (2) the term ‘‘human trafficking’’ means— 
(A) sex trafficking in which a commercial 
sex act is induced by force, fraud, or coercion, 
or in which the person induced to perform such 
act has not attained 18 years of age; or 
(B) the recruitment, harboring, transpor-
tation, provision, or obtaining of a person for 
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labor or services, through the use of force, 
fraud, or coercion for the purpose of subjection 
to involuntary servitude, peonage, debt bondage, 
or slavery; 
(4) (3) the term ‘‘Interagency Task Force to 
Monitor and Combat Trafficking’’ means the Inter-
agency Task Force to Monitor and Combat Traf-
ficking established by the President pursuant to sec-
tion 105 of the Victims of Trafficking and Violence 
Protection Act of 2000 (22 U.S.C. 7103); and 
(5) (4) the term ‘‘law enforcement agency’’ 
means an agency of the United States, a State, or 
a political subdivision of a State, authorized by law 
or by a government agency to engage in or supervise 
the prevention, detection, investigation, or prosecu-
tion 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 
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(2) by inserting after subparagraph (D) the fol-
lowing: 
‘‘(E) combating illicit financing relating to 
human trafficking;’’. 
(b) INTERAGENCY COORDINATION.—Section 312(a) of 
title 31, United States Code, is amended by adding at the 
end the following: 
‘‘(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 
human trafficking 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.’’. 
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SEC. 4. ADDITIONAL REPORTING REQUIREMENT UNDER 
THE TRAFFICKING VICTIMS PROTECTION ACT 
OF 2000. 
Section 105(d)(7) of the Trafficking Victims Protection 
Act of 2000 (22 U.S.C. 7103(d)(7)) is amended— 
(1) in the matter preceding subparagraph (A)— 
(A) by inserting ‘‘the Committee on Finan-
cial Services,’’ after ‘‘the Committee on Foreign 
Affairs,’’; and 
(B) by inserting ‘‘the Committee on Bank-
ing, Housing, and Urban Affairs,’’ after ‘‘the 
Committee on Foreign Relations,’’; 
(2) in subparagraph (Q)(vii), by striking ‘‘; 
and’’ and inserting a semicolon; 
(3) in subparagraph (R), by striking the period 
at the end and inserting ‘‘; and’’; and 
(4) by adding at the end the following: 
‘‘(S) the efforts of the United States to 
eliminate money laundering related to human 
trafficking and the number of investigations, ar-
rests, indictments, and convictions in money 
laundering cases with a nexus to human traf-
ficking.’’. 
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 ‘‘End Bank-
ing for Human Traffickers Act of 2017’’. 
SEC. 2. INCREASING THE ROLE OF THE FINANCIAL INDUS-
TRY IN COMBATING HUMAN TRAFFICKING. 
(a) TREASURY AS A MEMBER OF THE PRESI-
DENT’S INTERAGENCY TASK FORCE TO MONITOR 
AND COMBAT TRAFFICKING.—Section 105(b) of 
the Victims of Trafficking and Violence Pro-
tection Act of 2000 (22 U.S.C. 7103(b)) is 
amended by inserting ‘‘the Secretary of the 
Treasury,’’ after ‘‘the Secretary of Edu-
cation,’’. 
(b) REQUIRED REVIEW
OF PROCEDURES.— 
Not later than 180 days after the date of en-
actment of this Act, the Financial Institutions 
Examination Council shall, in consultation 
with the Secretary of the Treasury and other 
appropriate law enforcement agencies, take 
the following actions: 
(1) Review and enhance, where nec-
essary, training and examinations proce-
dures to improve the ability of anti- 
money laundering programs to target 
human trafficking operations. 
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(2) Review and enhance, where nec-
essary, procedures for referring potential 
human trafficking cases to the appro-
priate law enforcement agency. 
(c) 
INTERAGENCY
TASK
FORCE
REC-
OMMENDATIONS TARGETING MONEY LAUNDERING 
RELATED TO HUMAN TRAFFICKING.— 
(1) IN
GENERAL.—Not later than 180 
days after the date of enactment of this 
Act, the Interagency Task Force to Mon-
itor and Combat Trafficking shall pre-
pare and submit to Congress, the Sec-
retary of the Treasury, and each appro-
priate Federal banking agency a series of 
legislative, 
administrative, 
and 
regu-
latory recommendations, if necessary, to 
revise anti-money laundering programs 
of financial institutions in order to spe-
cifically target money laundering related 
to human trafficking, as described in 
paragraph (2). 
(2) REQUIRED RECOMMENDATIONS.—The 
recommendations required under para-
graph (1) shall, at a minimum, include 
the following: 
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(A) Successful anti-human traf-
ficking programs currently in place 
at financial institutions that are suit-
able for broader adoption. 
(B) Recommended changes, if nec-
essary, to the internal policies, proce-
dures, and controls at financial insti-
tutions so that such institutions can 
better deter and detect money laun-
dering related to human trafficking. 
(C) Recommended changes, if nec-
essary, to ongoing employee training 
programs at financial institutions so 
that those institutions can better 
equip employees to deter and detect 
money laundering related to human 
trafficking, including the training of 
legal counsel, risk managers, and 
compliance officers. 
(D) Recommended revisions, if 
necessary, to existing regulatory re-
quirements and guidelines for the re-
porting of suspicious transactions by 
financial 
institutions, 
as 
required 
pursuant to section 5318(g) of title 31, 
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United States Code, in order to facili-
tate the collection of data on in-
stances of suspected human traf-
ficking. 
(d) 
ADDITIONAL
REPORTING
REQUIRE-
MENT.—Section 110(b) of the Trafficking Vic-
tims Protection Act of 2000 (22 U.S.C. 7107(b)) 
is amended by adding at the end the fol-
lowing: 
‘‘(4) 
DESCRIPTION
OF
EFFORTS
OF 
UNITED STATES TO ELIMINATE MONEY LAUN-
DERING RELATED TO HUMAN TRAFFICKING.— 
In addition to the information required 
in the annual report under paragraph (1) 
and the interim report under paragraph 
(2), the Secretary of State, in consultation 
with the Attorney General and the Sec-
retary of the Treasury, shall include in 
each such report a description of efforts 
of the United States to eliminate money 
laundering related to human trafficking 
and the number of investigations, arrests, 
indictments and convictions in money 
laundering cases with a nexus to human 
trafficking.’’. 
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(e) LIMITATION.—Nothing in this Act shall 
be construed to grant rulemaking authority to 
the Interagency Task Force to Monitor and 
Combat Trafficking. 
(f) DEFINITIONS.—As used in this section— 
(1) the term ‘‘anti-money laundering 
program’’ means any program established 
by a financial institution pursuant to sec-
tion 5318(h) of title 31, United States 
Code; 
(2) 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)); 
(3) the term ‘‘human trafficking’’ 
means— 
(A) sex trafficking in which a 
commercial sex act is induced by 
force, fraud, or coercion, or in which 
the person induced to perform such 
act has not attained 18 years of age; 
or 
(B) the recruitment, harboring, 
transportation, provision, or obtain-
ing of a person for labor or services, 
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through the use of force, fraud, or co-
ercion for the purpose of subjection 
to involuntary servitude, peonage, 
debt bondage, or slavery; 
(4) the term ‘‘Interagency Task Force 
to 
Monitor 
and 
Combat 
Trafficking’’ 
means the Interagency Task Force to 
Monitor and Combat Trafficking estab-
lished by the President pursuant to sec-
tion 105 of the Victims of Trafficking and 
Violence Protection Act of 2000 (22 U.S.C. 
7103); and 
(5) the term ‘‘law enforcement agen-
cy’’ means an agency of the United States, 
a State, or a political subdivision of a 
State, authorized by law or by a govern-
ment agency to engage in or supervise 
the prevention, detection, investigation, 
or prosecution of any violation of crimi-
nal or civil law. 
SEC. 3. MINIMUM STANDARDS FOR THE ELIMINATION OF 
TRAFFICKING. 
Section 108(b) of the Trafficking Victims 
Protection Act of 2000 (22 U.S.C. 7106(b)) is 
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amended by adding at the end the following 
new paragraph: 
‘‘(13) Whether the government of the 
country, consistent with the capacity of 
the country, has in effect a framework to 
prevent financial transactions involving 
the proceeds of severe forms of traf-
ficking in persons, and is taking steps to 
implement such a framework, including 
by investigating, prosecuting, convicting, 
and sentencing individuals who attempt 
or conduct such transactions.’’. 
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Union Calendar No. 439 
115TH CONGRESS 
2D SESSION 
H. R. 2219 
[Report No. 115–569, Parts I and II] 
A BILL 
To increase the role of the financial industry in 
combating human trafficking. 
FEBRUARY 23, 2018 
Reported from the Committee on Foreign Affairs with an 
amendment; committed to the Committee of the Whole 
House on the State of the Union and ordered to be 
printed 
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