End Banking for Human Traffickers Act of 2025

HR 3629, the End Banking for Human Traffickers Act of 2025, requires U.S. financial institutions to improve their ability to detect and prevent money laundering linked to human trafficking. It mandates that the Financial Institutions Examination Council (within 180 days) review and enhance staff training, referral procedures, and detection methods for trafficking-related transactions. The bill also directs an interagency task force to analyze anti-trafficking efforts and submit recommendations - such as better information sharing, updated training, and policy changes - to Congress and federal banking agencies within 270 days. The law explicitly prohibits banks from denying services to trafficking victims and amends existing law to require countries to establish financial frameworks preventing trafficking proceeds. This affects all U.S. banks and financial institutions by changing their anti-money laundering protocols.