I 
117TH CONGRESS 
1ST SESSION 
H. R. 808 
To increase the role of the financial industry in combating human trafficking. 
IN THE HOUSE OF REPRESENTATIVES 
FEBRUARY 4, 2021 
Mr. FITZPATRICK (for himself, Mr. KEATING, Mr. MCCAUL, and Mrs. CARO-
LYN B. MALONEY of New York) introduced the following bill; which was 
referred to the Committee on Financial Services, and in addition to the 
Committee on Foreign Affairs, 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 
A BILL 
To increase the role of the financial industry in combating 
human trafficking. 
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 2021’’. 
SEC. 2. INCREASING THE ROLE OF THE FINANCIAL INDUS-
TRY IN COMBATING HUMAN TRAFFICKING. 
(a) REQUIRED REVIEW OF PROCEDURES.—Not later 
than 180 days after the date of the enactment of this Act, 
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the Financial Institutions Examination Council, in con-
sultation with the Secretary of the Treasury, the private 
sector, victims of severe forms of trafficking in persons, 
advocates of persons at risk of becoming victims of severe 
forms of trafficking in persons, and appropriate law en-
forcement 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 
(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. 
(b) 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 
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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 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. 
(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 per-
sons, advocates of persons at risk of becoming 
victims of severe forms of trafficking in per-
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sons, and financial institutions, on policy pro-
posals derived from the analysis conducted by 
the task force referred to in paragraph (1) that 
would enhance the efforts and programs of fi-
nancial institutions to detect and deter money 
laundering relating to severe forms of traf-
ficking in persons, including any recommended 
changes to internal policies, procedures, and 
controls relating 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 
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 
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money laundering involves the use of emerging 
technologies and virtual currencies. 
(c) LIMITATION.—Nothing in this Act shall be con-
strued to— 
(1) grant rulemaking authority to the Inter-
agency Task Force To Monitor and Combat Traf-
ficking; or 
(2) encourage financial institutions to deny 
services to victims of trafficking, victims of severe 
forms of trafficking in persons, or individuals not re-
sponsible for promoting severe forms of trafficking 
in persons. 
(d) DEFINITIONS.—As used in this section— 
(1) the term ‘‘Federal banking agency’’ has the 
meaning given the term in section 3(q) of the Fed-
eral 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-
tablished by the President pursuant to section 105 
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of the Trafficking Victims Protection 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. 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 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 trafficking 
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.’’. 
Æ 
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