[Congressional Record Volume 164, Number 94 (Thursday, June 7, 2018)]
[Senate]
[Pages S3345-S3348]
From the Congressional Record Online through the Government Publishing Office [www.gpo.gov]

  SA 2459. Mr. WHITEHOUSE (for himself, Mr. Grassley, and Mr. Cassidy) 
submitted an amendment intended to be proposed by him to the bill H.R. 
5515, to authorize appropriations for fiscal year 2019 for military 
activities of the Department of Defense, for military construction, and 
for defense activities of the Department of Energy, to prescribe 
military personnel strengths for such fiscal year, and for other 
purposes; which was ordered to lie on the table; as follows:

       At the end of subtitle F of title X, add the following:

     SEC. 1086. BENEFICIAL OWNERSHIP INFORMATION.

       (a) Findings.--Congress finds the following:
       (1) Nearly 2,000,000 corporations and limited liability 
     companies are being formed under the laws of the States each 
     year.
       (2) Very few States obtain meaningful information about the 
     beneficial owners of the corporations and limited liability 
     companies formed under their laws.
       (3) A person forming a corporation or limited liability 
     company within the United States typically provides less 
     information to the State of incorporation than is needed to 
     obtain a bank account or driver's license and typically does 
     not name a single beneficial owner.
       (4) Terrorists and other criminals have exploited the 
     weaknesses in State formation procedures to conceal their 
     identities when forming corporations or limited liability 
     companies in the United States, and have then used the newly 
     created entities to support terrorist organizations, drug 
     trafficking organizations, and international organized crime 
     groups, as well as commit misconduct affecting interstate and 
     international commerce such as trafficking in illicit drugs, 
     illegal arms trafficking, sex trafficking, money laundering, 
     tax evasion, health care fraud, Internet-based fraud, 
     securities fraud, financial fraud, intellectual property 
     crimes, and acts of corruption.
       (5) Among those who have abused State incorporation 
     procedures is Victor Bout, a Russian arms dealer who used at 
     least 12 companies incorporated in Texas, Florida, and 
     Delaware to carry out his activities, and has been convicted, 
     in part, for conspiring to sell weapons to a terrorist 
     organization trying to kill citizens of the United States and 
     Federal officers and employees. In addition, Iranian 
     interests used a shell company formed in New York to purchase 
     a 36-story building on Fifth Avenue in Manhattan and 
     forwarded millions of dollars in rent each year to Iran until 
     authorities in the United States learned of the transfers and 
     seized the building.
       (6) Law enforcement efforts to investigate corporations and 
     limited liability companies suspected of wrongdoing have been 
     impeded by the lack of available beneficial ownership 
     information, as documented in reports and testimony by 
     officials from the Department of Justice, the Department of 
     Homeland Security, the Financial Crimes Enforcement Network 
     of the Department of the Treasury, the Internal Revenue 
     Service, the Government Accountability Office, and others.
       (7) In December 2016, a leading international anti-money 
     laundering and anti-terrorist financing organization, the 
     Financial Action Task Force on Money Laundering (in

[[Page S3346]]

     this subsection referred to as ``FATF''), of which the United 
     States is a member, issued a report that criticized the 
     United States for failing to comply with a FATF standard on 
     the need to collect beneficial ownership information. The 
     report called the United States framework in this area 
     ``seriously deficient'' and urged the United States to 
     correct this deficiency.
       (8) In response to the FATF report and to strengthen 
     measures to protect homeland security, Federal officials have 
     repeatedly urged the States to improve their formation 
     practices by obtaining beneficial ownership information for 
     the corporations and limited liability companies formed under 
     the laws of such States. But the States continue to form 
     millions of corporations with hidden owners.
       (9) Many States have established automated procedures that 
     allow a person to form a new corporation or limited liability 
     company within the State within 24 hours of filing an online 
     application, without any prior review of the application by a 
     State official.
       (10) Dozens of Internet websites highlight the anonymity of 
     beneficial owners allowed under the formation practices of 
     some States, point to those practices as a reason to 
     incorporate in those States, and list those States together 
     with offshore jurisdictions as preferred locations for the 
     formation of new corporations, essentially inviting 
     terrorists and other wrongdoers to form entities within the 
     United States.
       (11) In contrast to practices in the United States, 
     countries around the world are working to collect beneficial 
     ownership information. The United Kingdom now collects 
     beneficial ownership information for all companies formed 
     under its laws and makes the information available to the 
     public. All 28 countries in the European Union are required 
     to create, maintain, and update registries of the beneficial 
     ownership information of the corporations formed under the 
     laws of those countries. The information must be freely 
     available to law enforcement agencies, financial 
     institutions, and third parties that can demonstrate a 
     legitimate interest in the information. Afghanistan, Ghana, 
     Kenya, Nigeria, South Africa, the Ukraine, and many other 
     countries are in the process of establishing mechanisms to 
     collect beneficial ownership information for the companies 
     created under their laws.
       (12) To reduce the vulnerability of the United States to 
     wrongdoing by United States corporations and limited 
     liability companies with hidden owners, protect interstate 
     and international commerce from terrorists and other 
     criminals misusing United States corporations and limited 
     liability companies, strengthen law enforcement 
     investigations of suspect corporations and limited liability 
     companies, set minimum standards for and level the playing 
     field among State formation practices, and bring the United 
     States into compliance with international anti-money 
     laundering and anti-terrorist financing standards, Federal 
     legislation is needed to require the States to obtain 
     beneficial ownership information for the corporations and 
     limited liability companies formed under the laws of such 
     States.
       (b) Transparent Incorporation Practices.--
       (1) Transparent incorporation practices.--Part E of title I 
     of the Omnibus Crime Control and Safe Streets Act of 1968 (42 
     U.S.C. 3750 et seq.) is amended by adding at the end the 
     following:

            ``Subpart 4--Transparent Incorporation Practices

     ``SEC. 531. TRANSPARENT INCORPORATION PRACTICES.

       ``(a) Incorporation Systems.--
       ``(1) In general.--To protect the United States from the 
     misuse affecting interstate or foreign commerce of 
     corporations and limited liability companies with hidden 
     owners, each State that receives funding under subpart 1 
     shall, not later than 3 years after the date of enactment of 
     this subpart, use an incorporation system that meets the 
     following requirements:
       ``(A) Identification of beneficial owners.--Except as 
     provided in paragraph (3), each applicant to form a 
     corporation or limited liability company under the laws of 
     the State is required to provide to the State during the 
     formation process information on the beneficial owners of the 
     corporation or limited liability company that includes--
       ``(i) identifies each beneficial owner by name, current 
     residential or business street address, and a unique 
     identifying number from a nonexpired passport issued by the 
     United States or a nonexpired drivers license or 
     identification card issued by a State;
       ``(ii) if any beneficial owner exercises control over the 
     corporation or limited liability company through another 
     legal entity, such as a corporation, partnership, or trust, 
     identifies each such legal entity and each such beneficial 
     owner who will use that entity to exercise control over the 
     corporation or limited liability company; and
       ``(iii) if the applicant is not a beneficial owner, 
     provides the identification information described in clause 
     (i) relating to the applicant.
       ``(B) Updated information.--For each corporation or limited 
     liability company formed under the laws of the State--
       ``(i) the corporation or limited liability company is 
     required by the State to submit to the State an updated list 
     of the beneficial owners of the corporation or limited 
     liability company and the information described in 
     subparagraph (A) for each such beneficial owner not later 
     than 60 days after the date of any change in the beneficial 
     owners of the corporation or limited liability company;
       ``(ii) in the case of a corporation or limited liability 
     company formed or acquired by a formation agent and retained 
     by the formation agent as a beneficial owner for transfer to 
     another person, the formation agent is required by the State 
     to submit to the State an updated list of the beneficial 
     owners and the information described in subparagraph (A) for 
     each such beneficial owner not later than 10 days after the 
     date on which the formation agent transfers the corporation 
     or limited liability company to another person; and
       ``(iii) the corporation or limited liability company is 
     required by the State to submit to the State an annual filing 
     containing the list of the beneficial owners of the 
     corporation or limited liability company and the information 
     described in subparagraph (A) for each such beneficial owner.
       ``(C) Retention of information.--Beneficial ownership 
     information relating to each corporation or limited liability 
     company formed under the laws of the State is required to be 
     maintained by the State until the end of the 5-year period 
     beginning on the date that the corporation or limited 
     liability company terminates under the laws of the State.
       ``(D) Information requests.--Beneficial ownership 
     information relating to each corporation or limited liability 
     company formed under the laws of the State shall be provided 
     by the State not later than 30 days after receipt of--
       ``(i) a civil, criminal, or administrative subpoena or a 
     summons, or an equivalent of such a subpoena or summons, from 
     a local, State, or Federal agency or a congressional 
     committee or subcommittee;
       ``(ii) a written request made by a Federal agency on behalf 
     of another country under an international treaty, agreement, 
     or convention, or an order under section 3512 of title 18, 
     United States Code, or section 1782 of title 28, United 
     States Code, issued in response to a request for assistance 
     from a foreign country;
       ``(iii) a written request made by the Financial Crimes 
     Enforcement Network of the Department of the Treasury; or
       ``(iv) a written request made by a financial institution, 
     with the consent of the customer, for purposes of compliance 
     by the financial institution with customer due diligence 
     requirements under subsections (a)(2) and (h)(2) of section 
     5318 of title 31, United States Code, which the requesting 
     financial institution shall maintain and safeguard in 
     accordance with all applicable Federal and State laws related 
     to bank records, and destroy upon satisfaction of those due 
     diligence requirements, consistent with all applicable 
     Federal and State laws related to bank records.
       ``(E) No bearer share corporations.--A corporation or 
     limited liability company formed under the laws of the State 
     may not issue a certificate in bearer form evidencing either 
     a whole or fractional interest in the corporation or limited 
     liability company.
       ``(2) Certain beneficial owners.--If an applicant to form a 
     corporation or limited liability company or a beneficial 
     owner, officer, director, or similar agent of a corporation 
     or limited liability company who is required to provide 
     identification information under this section does not have a 
     nonexpired passport issued by the United States or a 
     nonexpired drivers license or identification card issued by a 
     State, each application described in paragraph (1)(A) and 
     each update described in paragraph (1)(B) shall include a 
     certification by a formation agent residing in the State that 
     the formation agent--
       ``(A) has obtained for each such person a current 
     residential or business street address and a legible and 
     credible copy of the pages of a nonexpired passport issued by 
     the government of a foreign country bearing a photograph, 
     date of birth, and unique identifying information for the 
     person;
       ``(B) has verified the name, address, and identity of each 
     such person;
       ``(C) will provide the information described in 
     subparagraph (A) and the proof of verification described in 
     subparagraph (B) upon request under the same circumstances as 
     required for States under paragraph (1)(D); and
       ``(D) will retain the information and proof of verification 
     under this paragraph in the State in which the corporation or 
     limited liability company is being or has been formed until 
     the end of the 5-year period beginning on the date that the 
     corporation or limited liability company terminates under the 
     laws of the State.
       ``(3) Exempt entities.--
       ``(A) In general.--An incorporation system described in 
     paragraph (1) shall require that an application for an entity 
     described in clause (i) or (ii) of subsection (d)(2)(B) that 
     is proposed to be formed under the laws of a State and that 
     will be exempt from the beneficial ownership disclosure 
     requirements under this section shall include in the 
     application a certification by the applicant, or a 
     prospective officer, director, or similar agent of the 
     entity--
       ``(i) identifying the specific provision of subsection 
     (d)(2)(B) under which the entity proposed to be formed would 
     be exempt from the beneficial ownership disclosure 
     requirements under paragraphs (1) and (2);
       ``(ii) stating that the entity proposed to be formed meets 
     the requirements for an entity

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     described under such provision of subsection (d)(2)(B); and
       ``(iii) providing identification information for the 
     applicant or prospective officer, director, or similar agent 
     making the certification in the same manner as provided under 
     paragraph (1).
       ``(B) Existing entities.--On and after the date that is 2 
     years after the date on which a State begins requiring 
     beneficial ownership information in compliance with this 
     section, an entity formed under the laws of the State before 
     such effective date shall be considered to be a corporation 
     or limited liability company for purposes of this subsection 
     unless an officer, director, or similar agent of the entity 
     submits to the State a certification--
       ``(i) identifying the specific provision of subsection 
     (d)(2)(B) under which the entity is exempt from the 
     requirements under paragraphs (1) and (2);
       ``(ii) stating that the entity meets the requirements for 
     an entity described under such provision of subsection 
     (d)(2)(B); and
       ``(iii) providing identification information for the 
     officer, director, or similar agent making the certification 
     in the same manner as provided under paragraph (1).
       ``(C) Exempt entities with an ownership interest.--As part 
     of the beneficial ownership information required under 
     subsection (a)(1), neither an applicant seeking to form a 
     corporation or limited liability company nor a corporation or 
     limited liability company providing updated information is 
     required to identify the beneficial owners of any entity that 
     qualifies as an exempt entity under subsection (d)(2)(B).
       ``(b) Penalties.--
       ``(1) In general.--It shall be unlawful for any person to 
     affect interstate or foreign commerce by failing to comply 
     with this subpart by--
       ``(A) knowingly providing, or attempting to provide, false 
     or fraudulent beneficial ownership information, including a 
     false or fraudulent identifying photograph, to a State or 
     formation agent;
       ``(B) willfully failing to provide complete or updated 
     beneficial ownership information to a State or formation 
     agent;
       ``(C) knowingly disclosing the existence of a subpoena or 
     summons (or the equivalent of a subpoena or summons) or a 
     request for beneficial ownership information described in 
     subsection (a)(1)(D), except--
       ``(i) to the extent necessary to fulfill the authorized 
     request; or
       ``(ii) as authorized by the entity that issued the request 
     described in subsection (a)(1)(D); or
       ``(D) in the case of a formation agent, knowingly failing 
     to obtain or maintain credible, legible, and updated 
     beneficial ownership information, including any required 
     identifying photograph.
       ``(2) Civil and criminal penalties.--In addition to any 
     civil or criminal penalty that may be imposed by a State, any 
     person who violates paragraph (1)--
       ``(A) shall be liable to the United States for a civil 
     penalty of not more than $1,000,000; and
       ``(B) may be fined under title 18, United States Code, 
     imprisoned for not more than 3 years, or both.
       ``(c) Rules.--
       ``(1) In general.--To carry out this subpart, the Attorney 
     General of the United States, the Secretary of Homeland 
     Security, and the Secretary of the Treasury may issue joint 
     guidance or a joint rule to specify how to verify beneficial 
     ownership or other identification information provided under 
     this section, including under subsection (a)(2).
       ``(2) Limitation.--Any guidance or rule issued under 
     paragraph (1)--
       ``(A) may explain and clarify the definition of the term 
     `beneficial owner'; but
       ``(B) may not amend or alter the definition of the term 
     `beneficial owner' through changes to the definition directly 
     or through the manner of implementation.
       ``(3) No guidance.--A failure to issue guidance or a rule 
     under paragraph (1) shall not delay the effective date of the 
     requirements under this subpart.
       ``(d) Definitions.--For the purposes of this section:
       ``(1) Beneficial owner.--
       ``(A) In general.--Except as provided in subparagraph (B), 
     the term `beneficial owner' means each natural person who, 
     directly or indirectly--
       ``(i) exercises substantial control over a corporation or 
     limited liability company through ownership interests, voting 
     rights, agreement, or otherwise; or
       ``(ii) has a substantial interest in or receives 
     substantial economic benefits from the assets of a 
     corporation or the assets of a limited liability company.
       ``(B) Exceptions.--The term `beneficial owner' shall not 
     include--
       ``(i) a minor child;
       ``(ii) a person acting as a nominee, intermediary, 
     custodian, or agent on behalf of another person;
       ``(iii) a person acting solely as an employee of a 
     corporation or limited liability company and whose control 
     over or economic benefits from the corporation or limited 
     liability company derives solely from the employment status 
     of the person; or
       ``(iv) a creditor of a corporation or limited liability 
     company, unless the creditor also meets the requirements of 
     subparagraph (A).
       ``(C) Anti-abuse rule.--The exceptions under subparagraph 
     (B) shall not apply if used for the purpose of evading, 
     circumventing, or abusing the provisions of subparagraph (A) 
     or subsection (a).
       ``(2) Corporation; limited liability company.--
       ``(A) In general.--Subject to subparagraph (B), the terms 
     `corporation' and `limited liability company'--
       ``(i) have the meanings given such terms under the laws of 
     the applicable State; and
       ``(ii) include any non-United States entity eligible for 
     registration or registered to do business as a corporation or 
     limited liability company under the laws of the applicable 
     State.
       ``(B) Exempt entities.--Subject to subsection (a)(3), the 
     terms `corporation' and `limited liability company' do not 
     include an entity that--
       ``(i) is--

       ``(I) a business concern that is an issuer of a class of 
     securities registered under section 12 of the Securities 
     Exchange Act of 1934 (15 U.S.C. 781) or that is required to 
     file reports under section 15(d) of that Act (15 U.S.C. 
     78o(d));
       ``(II) a business concern constituted or sponsored by a 
     State, a political subdivision of a State, under an 
     interstate compact between two or more States, by a 
     department or agency of the United States, under the laws of 
     the United States, or by an international organization of 
     which the United States is a member;
       ``(III) a depository institution (as defined in section 3 
     of the Federal Deposit Insurance Act (12 U.S.C. 1813));
       ``(IV) a credit union (as defined in section 101 of the 
     Federal Credit Union Act (12 U.S.C. 1752));
       ``(V) a bank holding company (as defined in section 2 of 
     the Bank Holding Company Act of 1956 (12 U.S.C. 1841));
       ``(VI) a broker or dealer (as defined in section 3 of the 
     Securities Exchange Act of 1934 (15 U.S.C. 78c)) that is 
     registered under section 15 of the Securities Exchange Act of 
     1934 (15 U.S.C. 78o);
       ``(VII) an exchange or clearing agency (as defined in 
     section 3 of the Securities Exchange Act of 1934 (15 U.S.C. 
     78c)) that is registered under section 6 or 17A of the 
     Securities Exchange Act of 1934 (15 U.S.C. 78f and 78q-1);
       ``(VIII) an investment company (as defined in section 3 of 
     the Investment Company Act of 1940 (15 U.S.C. 80a-3)) or an 
     investment advisor (as defined in section 202(11) of the 
     Investment Advisors Act of 1940 (15 U.S.C. 80b-2(11))), if 
     the company or adviser is registered with the Securities and 
     Exchange Commission, or has filed an application for 
     registration which has not been denied, under the Investment 
     Company Act of 1940 (15 U.S.C. 80a-1 et seq.) or the 
     Investment Advisor Act of 1940 (15 U.S.C. 80b-1 et seq.);
       ``(IX) an insurance company (as defined in section 2 of the 
     Investment Company Act of 1940 (15 U.S.C. 80a-2)) which is 
     formed under the laws of and regulated by a State;
       ``(X) a registered entity (as defined in section 1a of the 
     Commodity Exchange Act (7 U.S.C. 1a)), or a futures 
     commission merchant, introducing broker, commodity pool 
     operator, or commodity trading advisor (as defined in section 
     1a of the Commodity Exchange Act (7 U.S.C. 1a)) that is 
     registered with the Commodity Futures Trading Commission;
       ``(XI) a public accounting firm registered in accordance 
     with section 102 of the Sarbanes-Oxley Act (15 U.S.C. 7212);
       ``(XII) a public utility that provides telecommunications 
     service, electrical power, natural gas, or water and sewer 
     services within the United States;
       ``(XIII) a religious institution or nonprofit entity that 
     is described in section 501(c)(3) or 527 of the Internal 
     Revenue Code of 1986;
       ``(XIV) any business concern that--

       ``(aa) employs more than 20 employees on a full-time basis 
     in the United States;
       ``(bb) files income tax returns in the United States 
     demonstrating more than $5,000,000 in gross receipts or 
     sales;
       ``(cc) has an operating presence at a physical location 
     within the United States; and
       ``(dd) has more than 100 shareholders; or

       ``(XV) any corporation or limited liability company which 
     is owned, in whole or in substantial part, by an entity 
     described in subclause (I), (II), (III), (IV), (V), (VI), 
     (VII), (VIII), (IX), (X), (XI), (XII), (XIII), or (XIV); or

       ``(ii) is within any class of business concerns which the 
     Attorney General of the United States, the Secretary of 
     Homeland Security, and the Secretary of the Treasury jointly 
     determine in writing, upon the request of a State, and 
     through an order, guidance, or rule should be exempt from the 
     requirements of subsection (a), because requiring beneficial 
     ownership information from the business concern would not 
     serve the public interest and would not assist law 
     enforcement efforts to detect, prevent, or punish criminal or 
     civil misconduct.
       ``(3) Formation agent.--The term `formation agent' means a 
     person who, for compensation, acts on behalf of another 
     person to form, or assist in the formation, of a corporation 
     or limited liability company under the laws of a State.''.
       (2) Funding authorization.--
       (A) In general.--To carry out section 531 of title I of the 
     Omnibus Crime Control and Safe Streets Act of 1968, as added 
     by this section, and to protect the United States against the 
     misuse affecting interstate or foreign commerce of 
     corporations or limited liability companies with hidden 
     owners, during the 3-year period beginning on the date of 
     enactment of this Act, funds shall be made

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     available to each State (as that term is defined under 
     section 901(a)(2) of the Omnibus Crime Control and Safe 
     Streets Act of 1968 (42 U.S.C. 3791(a)(2))), to pay 
     reasonable costs to comply with the requirements of such 
     section 531 from one or more of the following sources:
       (i) Upon written request by a State, and without further 
     appropriation, the Attorney General of the United States 
     shall make available or transfer to the State funds from 
     excess unobligated balances (as defined in section 
     524(c)(8)(D) of title 28, United States Code) in the 
     Department of Justice Assets Forfeiture Fund established 
     under section 524(c) of title 28, United States Code.
       (ii) Upon written request by a State, after consultation 
     with the Attorney General of the United States, and without 
     further appropriation, the Secretary of the Treasury shall 
     make available or transfer to the State funds from 
     unobligated balances described in section 9705(g)(4)(B) of 
     title 31, United States Code, in the Department of the 
     Treasury Forfeiture Fund.
       (B) Eligible costs.--The Attorney General and Secretary of 
     the Treasury, in their sole discretion, shall determine what 
     costs are reasonable for purposes of subparagraph (A), taking 
     into account the maximum amount of funds available for 
     distribution to States under subparagraph (C).
       (C) Maximum amounts.--
       (i) Department of justice.--The Attorney General of the 
     United States may not make available to States a total of 
     more than $10,000,000 under subparagraph (A)(1).
       (ii) Department of the treasury.--The Secretary of the 
     Treasury may not make available to States a total of more 
     than $30,000,000 under subparagraph (A)(2).
       (D) Funding availability.--The amounts available to be 
     provided to, and any amounts provided to, a State under 
     subparagraph (A) shall be exempt from, and shall not be 
     reduced under, any order under section 251A of the Balanced 
     Budget and Emergency Deficit Control Act of 1985 (2 U.S.C. 
     901a).
       (3) State compliance report.--Nothing in this section or an 
     amendment made by this section authorizes the Attorney 
     General of the United States to withhold from a State any 
     funding otherwise available to the State under subpart 1 of 
     part E of title I of the Omnibus Crime Control and Safe 
     Streets Act of 1968 (42 U.S.C. 3750 et seq.) because of a 
     failure by that State to comply with subpart 4 of part E of 
     title I of the Omnibus Crime Control and Safe Streets Act of 
     1968, as added by this section. Not later than 42 months 
     after the date of enactment of this Act, the Comptroller 
     General of the United States shall submit to the Committee on 
     the Judiciary of the Senate and the Committee on the 
     Judiciary of the House of Representatives a report 
     identifying which States are in compliance with subpart 4 of 
     part E of title I of the Omnibus Crime Control and Safe 
     Streets Act of 1968 and, for any State not in compliance, 
     what measures must be taken by that State to achieve 
     compliance with such subpart 4.
       (4) Effect on state law.--
       (A) In general.--This section and the amendments made by 
     this section do not supersede, alter, or affect any statute, 
     regulation, order, or interpretation in effect in any State, 
     except where a State has elected to receive funding from the 
     Department of Justice under subpart 1 of part E of title I of 
     the Omnibus Crime Control and Safe Streets Act of 1968 (42 
     U.S.C. 3750 et seq.), and then only to the extent that such 
     State statute, regulation, order, or interpretation is 
     inconsistent with this section or an amendment made by this 
     section.
       (B) Not inconsistent.--A State statute, regulation, order, 
     or interpretation is not inconsistent with this section or an 
     amendment made by this section if such statute, regulation, 
     order, or interpretation--
       (i) requires additional information, more frequently 
     updated information, or additional measures to verify 
     information related to a corporation, limited liability 
     company, or beneficial owner, than is specified under this 
     section or an amendment made by this section; or
       (ii) imposes additional limits on public access to the 
     beneficial ownership information obtained by the State than 
     is specified under this section or an amendment made by this 
     section.
       (C) State records.--Nothing in this section or the 
     amendments made by this section limits the authority of a 
     State, by statute or otherwise, to disclose or to not 
     disclose to the public all or any portion of the beneficial 
     ownership information provided to the State under subpart 4 
     of part E of title I of the Omnibus Crime Control and Safe 
     Streets Act of 1968, as added by this section.
       (D) No duty of verification.--This section and the 
     amendments made by this section do not impose any obligation 
     on a State to verify the name, address, or identity of a 
     beneficial owner whose information is submitted to such State 
     under subpart 4 of part E of title I of the Omnibus Crime 
     Control and Safe Streets Act of 1968, as added by this 
     section.
       (5) Federal contractors.--Not later than the first day of 
     the first full fiscal year beginning at least 1 year after 
     the date of enactment of this Act, the Administrator for 
     Federal Procurement Policy shall revise the Federal 
     Acquisition Regulation maintained under section 1303(a)(1) of 
     title 41, United States Code, to require any bidder who is 
     subject to the requirement to disclose beneficial ownership 
     information under subpart 4 of part E of title I of the 
     Omnibus Crime Control and Safe Streets Act of 1968, as added 
     by this section, to provide the information required to be 
     disclosed under such subpart 4 to the Federal Government, or 
     why it is exempt under section 531(d)(2)(B) of title I of the 
     Omnibus Crime Control and Safe Streets Act of 1968, as added 
     by this section, as part of any bid or proposal for a 
     contract.
       (c) Anti-money Laundering and Anti-terrorist Financing 
     Obligations of Formation Agents.--
       (1) Anti-money laundering and anti-terrorist financing 
     obligations of formation agents.--Section 5312(a)(2) of title 
     31, United States Code, is amended--
       (A) in subparagraph (Y), by striking ``or'' at the end;
       (B) by redesignating subparagraph (Z) as subparagraph (AA); 
     and
       (C) by inserting after subparagraph (Y) the following:
       ``(Z) any person engaged in the business of forming 
     corporations or limited liability companies; or''.
       (2) Deadline for implementing rule for formation agents.--
       (A) Proposed rule.--Not later than 120 days after the date 
     of enactment of this Act, the Secretary of the Treasury, in 
     consultation with the Secretary of Homeland Security and the 
     Attorney General of the United States, shall publish a 
     proposed rule in the Federal Register requiring persons 
     described in section 5312(a)(2)(Z) of title 31, United States 
     Code, as amended by this subsection, to establish anti-money 
     laundering programs under subsection (h) of section 5318 of 
     that title.
       (B) Final rule.--Not later than 270 days after the date of 
     enactment of this Act, the Secretary of the Treasury shall 
     publish the rule described in this paragraph in final form in 
     the Federal Register.
       (C) Exclusions.--Any rule promulgated under this paragraph 
     shall exclude from the category of persons engaged in the 
     business of forming a corporation or limited liability 
     company--
       (i) any government agency; and
       (ii) any attorney or law firm that uses a paid formation 
     agent operating within the United States to form the 
     corporation or limited liability company.
       (d) Studies and Reports.--
       (1) Other legal entities.--Not later than 2 years after the 
     date of enactment of this Act, the Comptroller General of the 
     United States shall conduct a study and submit to the 
     Committee on the Judiciary of the Senate and the Committee on 
     the Judiciary of the House of Representatives a report--
       (A) identifying each State that has procedures that enable 
     persons to form or register under the laws of the State 
     partnerships, trusts, charitable organizations, or other 
     legal entities, and the nature of those procedures;
       (B) identifying each State that requires persons seeking to 
     form or register partnerships, trusts, charitable 
     organizations, or other legal entities under the laws of the 
     State to provide information about the beneficial owners (as 
     that term is defined in section 531 of title I of the Omnibus 
     Crime Control and Safe Streets Act of 1968, as added by this 
     section) or beneficiaries of such entities, and the nature of 
     the required information;
       (C) evaluating whether the lack of available beneficial 
     ownership information for partnerships, trusts, charitable 
     organizations, or other legal entities--
       (i) raises concerns about the involvement of such entities 
     in terrorism, money laundering, tax evasion, securities 
     fraud, trafficking in illicit drugs, or other criminal or 
     civil misconduct; and
       (ii) has impeded investigations into entities suspected of 
     such misconduct; and
       (D) evaluating whether the failure of the United States to 
     require beneficial ownership information for partnerships, 
     trusts, charitable organizations, or other legal entities 
     formed or registered in the United States has elicited 
     international criticism and what steps, if any, the United 
     States has taken or is planning to take in response.
       (2) Effectiveness of incorporation practices.--Not later 
     than 5 years after the date of enactment of this Act, the 
     Comptroller General of the United States shall conduct a 
     study and submit to the Committee on the Judiciary of the 
     Senate and the Committee on the Judiciary of the House of 
     Representatives a report assessing the effectiveness of 
     incorporation practices implemented under this section and 
     the amendments made by this section in--
       (A) providing law enforcement agencies with prompt access 
     to reliable, useful, and complete beneficial ownership 
     information; and
       (B) strengthening the capability of law enforcement 
     agencies to combat incorporation abuses and other civil and 
     criminal misconduct.
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