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HR 5877
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Combatting Money Laundering in Cyber Crime Act of 2025

H. R. 5877 To strengthen the authority of the United States Secret Service to investigate various crimes related to digital asset transactions and to counter transnational cyber criminal activity, including unlicensed money transmitting businesses, structured transactions, and fraud against financial institutions, and for other purposes.

Introduced Oct 31, 2025

Latest action (Apr 15, 2026) Placed on the Union Calendar, Calendar No. 530.

Referred to
Judiciary Committee Financial Services Committee
Policy area
Crime and Law Enforcement
Issues
Criminal Justice
Legislative subjects (6)
Computers and information technologyCongressional oversightCriminal investigation, prosecution, interrogationFraud offenses and financial crimesGovernment studies and investigationsLaw enforcement administration and funding

Summary

The Combatting Money Laundering in Cyber Crime Act of 2025 expands the U.S. Secret Service's authority to investigate crimes involving digital asset transactions, including unlicensed money transmitting, money laundering, and structured transactions. The bill extends the period that the Financial Crimes Enforcement Network (FinCEN) may retain financial data from 5 years to 10 years. The legislation also increases the reporting period for international financial institutions from 6 to 10 years. The bill requires the Government Accountability Office to study and report on how effectively law enforcement can identify and deter money laundering in cyber crimes.

AI-generated plain-language summary of the bill text — neutral, and may be imperfect. See the full text below for the exact wording.

Sponsor (1)
3 cosponsors

Actions (7)
  1. Apr 15, 2026 Placed on the Union Calendar, Calendar No. 530. · house
  2. Apr 15, 2026 Committee on the Judiciary discharged. · house
  3. Apr 15, 2026 Reported (Amended) by the Committee on Financial Services. H. Rept. 119-612, Part I. · house
  4. Jan 22, 2026 Ordered to be Reported (Amended) by the Yeas and Nays: 54 - 0. · house
  5. Jan 22, 2026 Committee Consideration and Mark-up Session Held · house
  6. Oct 31, 2025 Referred to the Committee on Financial Services, and in addition to the Committee on the Judiciary, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned. · house
  7. Oct 31, 2025 Introduced in House

More bills on these subjects (8)

Other bills that carry the most legislative subjects in common with this one (topical discovery — distinct from the procedural related bills above).

  • HR 7006 — Financial Services and General Government and National Security, Department of State, and Related Programs Appropriations Act, 2026 (shares 6 subjects)
  • HR 5342 — Commerce, Justice, Science, and Related Agencies Appropriations Act, 2026 (shares 6 subjects)
  • S 1273 — Combatting Money Laundering in Cyber Crime Act of 2025 (shares 6 subjects)
  • HR 191 — Inflation Reduction Act of 2025 (shares 6 subjects)
  • HR 9770 — Continuing Appropriations Act, 2027 (shares 5 subjects)
  • HR 7148 — Consolidated Appropriations Act, 2026 (shares 5 subjects)
  • S 1071 — National Defense Authorization Act for Fiscal Year 2026 (shares 5 subjects)
  • S 2882 — Continuing Appropriations and Extensions and Other Matters Act, 2026 (shares 5 subjects)

Similar bills (6)

Bills with similar text or summary — includes reintroductions across Congresses. Ranked by semantic similarity of the bill text (computed locally); a neutral discovery aid, not a claim the bills are duplicates.

  • S 1273 — Combatting Money Laundering in Cyber Crime Act of 2025 · Introduced Apr 3, 2025 · Cong. 119 80%
  • S 3801 — Combating Money Laundering, Terrorist Financing, and Counterfeiting Act of 2026 · Introduced Feb 5, 2026 · Cong. 119 69%
  • S 4338 — Pedophile Financial Accountability Act · Introduced Apr 16, 2026 · Cong. 119 67%
  • S 3982 — AI Fraud Accountability Act of 2026 · Introduced Mar 4, 2026 · Cong. 119 67%
  • S 3355 — National Strategy for Combating Scams Act of 2025 · Introduced Dec 4, 2025 · Cong. 119 65%
  • HR 7786 — AI Fraud Accountability Act · Introduced Mar 4, 2026 · Cong. 119 64%

Text versions (2)
  • Reported in House · Apr 15, 2026
  • Introduced in House · Oct 31, 2025

Full text

IN THE HOUSE OF REPRESENTATIVES

October 31, 2025

Mr. Fitzgerald (for himself, Ms. Pettersen, Mr. Nunn of Iowa, and Mr. Sherman) introduced the following bill; which was referred to the Committee on Financial Services, and in addition to the Committee on the Judiciary, for a period to be subsequently determined by the Speaker, in each case for consideration of such provisions as fall within the jurisdiction of the committee concerned

April 15, 2026

Reported from the Committee on Financial Services with an amendment [Strike out all after the enacting clause and insert the part printed in italic]

April 15, 2026

Committee on the Judiciary discharged; committed to the Committee of the Whole House on the State of the Union and ordered to be printed [For text of introduced bill, see copy of bill as introduced on October 31, 2025]

A BILL

To strengthen the authority of the United States Secret Service to investigate various crimes related to digital asset transactions and to counter transnational cyber criminal activity, including unlicensed money transmitting businesses, structured transactions, and fraud against financial institutions, and for other purposes.

Be it enacted by the Senate and House of Representatives of the United States of America in Congress assembled,

SECTION 1. SHORT TITLE.

This Act may be cited as the “Combatting Money Laundering in Cyber Crime Act of 2025”.

SEC. 2. EXPANSION OF UNITED STATES SECRET SERVICE INVESTIGATIVE AUTHORITIES.

Section 3056(b) of title 18, United States Code, is amended—

(1) in paragraph (1), by striking “871, or 879” and inserting “871, 879, or 1960”; and

(2) in paragraph (3)—

(A) by inserting “money laundering, structured transactions,” after “documents or devices,”;

(B) by striking “federally insured”; and

(C) by inserting “, as defined in section 5312 of title 31” after “institution”.

SEC. 3. FINCEN EXCHANGE.

Section 310(d)(3)(A) of title 31, United States Code, is amended, in the matter preceding clause (i), by striking “5 years” and inserting “10 years”.

SEC. 4. INTERNATIONAL FINANCIAL INSTITUTIONS.

Section 7125(b) of the Otto Warmbier North Korea Nuclear Sanctions and Enforcement Act of 2019 (22 U.S.C. 262p-13 note) is amended by striking “6” and inserting “10”.

SEC. 5. REPORT.

(a) In General.—Not later than 1 year after the date of enactment of this Act, the Government Accountability Office shall conduct a study and submit to the Committee on Financial Services of the House of Representatives and the Committee on Banking, Housing, and Urban Affairs of the Senate a report on the implementation of section 6102 of the Anti-Money Laundering Act of 2020 (title LXI of division F of the William M. (Mac) Thornberry National Defense Authorization Act for Fiscal Year 2021 (Public Law 116-283; 134 Stat. 4552)).

(b) Focus.—In conducting the study under subsection (a), the Government Accountability Office shall focus on evaluating the ability of law enforcement to identify and deter money laundering in cyber crimes. Union Calendar No. 530

119th CONGRESS

2d Session

H. R. 5877

[Report No. 119-612, Part I]

A BILL

To strengthen the authority of the United States Secret Service to investigate various crimes related to digital asset transactions and to counter transnational cyber criminal activity, including unlicensed money transmitting businesses, structured transactions, and fraud against financial institutions, and for other purposes.

April 15, 2026

Reported from the Committee on Financial Services with an amendment

April 15, 2026

Committee on the Judiciary discharged; committed to the Committee of the Whole House on the State of the Union and ordered to be printed

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