在反金融犯罪合规中采用人工智能

2Updates the BSA’s definition of a covered “financial institution”, and modifies the BSA’sdefinition of “money transmitting business.” Expands the Secretary’s authorities under the BSAto require financial institutions and nonfinancial businesses to collect and report certaininformation to guard against money laundering, terrorist financing, or other forms of illicitfinance-related activity.Section 6103. FinCEN Exchange:Codifies the FinCEN Exchange within FinCEN to facilitatevoluntary public-private information-sharing between law enforcement, financial institutions,and FinCEN to combat money laundering, terrorism financing, organized crime and otherfinancial crimes; protect the financial system from illicit use; and promote national security.Requires FinCEN to establish procedures for the protection of information shared and exchangedby FinCEN with the private sector, and guards against the use of such shared information forreasons other than its intended purpose. Requires the Secretary to submit to Congress within oneyear, and biennially thereafter for a total of five years, a report on efforts undertaken by andrecommendations to strengthen the efforts of the Exchange. Also provides authority for theSecretary to issue a regulation on ways to appropriately protect confidential information sharedwithin the Exchange.Section 6104. Interagency AML and CFT Personnel Rotation Program:Requires theSecretary and representatives of the federal functional regulators and other federal agencies todevelop a program enabling the inter-agency rotation of personnel among positions related toAML and CFT efforts.Section 6105. Terrorism and Financial Intelligence Special Hiring Authority:Expands theSecretary’s authority to appoint candidates and transfer employees of the Office of Terrorismand Financial Intelligence (OTFI) to positions in the competitive service to support the functionsof OTFI. Requires the Secretary to submit to Congress within one year and biennially thereafterfor a total of five years a report on the utilization of such special hiring authorities.Section 6106. Treasury Attaché Program:Provides statutory authorization for the existingTreasury Attaché Program, whereby the Secretary appoints Treasury employees with BSA/AMLexpertise to work at U.S. embassies to help execute the financial and economic policy of the U.S.government and the international fight against terrorism, money laundering and other forms ofillicit finance. Requires the appointment of an additional 6 attachés for worldwide deployment.Section 6107. Establishment of FinCEN Domestic Liaisons:Establishes an Office of theDomestic Liaison within FinCEN, headed by a Chief Domestic Liaison who is to be appointedby the FinCEN Director to conduct outreach and receive feedback from financial institutions andother parties within specific regions of the United States regarding BSA examinations; promotecoordination and consistency between federal financial regulators during such examinations; andperiodically make regulatory and legislative recommendations to improve coordination andinformation sharing. The office is subject to periodic reporting requirements.Section 6108. Foreign Financial Intelligence Unit Liaisons:Requires the Director of FinCENto appoint Foreign Financial Intelligence Unit (FIU) Liaisons to work at U.S. embassies orforeign government facilities, establish relationships with officials from foreign intelligence units 3and regulators, coordinate with Department of Justice officials posted in embassies, andparticipate in industry outreach.Section 6109. Protection of Information Obtained by Foreign Law Enforcement/FIUs:Exempts from Freedom of Information Act (FOIA) requirements records or informationexchanged by FinCEN with a foreign law enforcement authority, foreign financial intelligenceunit, or foreign AML/CFT authority.Section 6110. BSA Application to Dealers in Antiquities and Assessment of BSAApplication to Dealers in Arts:Directs the Secretary, in coordination with the Director of theFBI, Attorney General, and Secretary of Homeland Security, to perform a study on thefacilitation of money laundering and the financing of terrorism through the trade in works of art.The Secretary, in coordination with the Director of the FBI, Attorney General and HomelandSecurity must submit to Senate Banking and HFSC a report on arts regulation not later than 180days after enactment of this Act. This section also adds antiquities dealers to the definition of“financial institution” under the BSA, informed by a Treasury review assessing thresholds,scope, geographical location and other considerations to direct the rulemaking.Section 6111. Increasing Technical Assistance for International Cooperation:Authorizes anincrease in appropriations to the Treasury Department for fiscal years 2020-2024 to providetechnical assistance to foreign countries and foreign financial institutions that promotescompliance with international standards and best practices for AM