End Banking for Human Traffickers Act of 2025

This bill, called the End Banking for Human Traffickers Act of 2025, uses the banking system to help find and stop human trafficking money flows. It tells federal banking examiners to improve training and reviews so banks can better spot and report transactions linked to trafficking within 180 days of the law taking effect. It also requires an interagency task force to study what’s working and, within 270 days, recommend steps like stronger training, better information sharing with law enforcement, and updates to laws for new tech and virtual currencies. The bill makes clear the task force can’t write new rules and that banks shouldn’t deny services to trafficking victims . It also adds a new standard for judging other countries: whether they have a system to block financial transactions from trafficking profits and are enforcing it through investigations and prosecutions.

Key points:

• Who is affected: banks and other financial institutions, federal banking examiners, law enforcement, the interagency anti-trafficking task force, and trafficking survivors and advocates.
• What changes: better bank training and exams; clearer reporting to law enforcement; recommendations to improve training, information sharing, and laws (including for virtual currencies); no push to cut off services to victims .
• When: bank examination updates due within 180 days; task force analysis and recommendations due within 270 days after the law takes effect.