Gun Violence Prevention Through Financial Intelligence Act

This bill directs the Financial Crimes Enforcement Network (FinCEN) to study how domestic terrorists buy guns and gun accessories and to share guidance with banks on spotting and reporting suspicious activity tied to those purchases. FinCEN must ask banks and other financial institutions for information within one year to help build this guidance, focusing on patterns linked to lone‑actor attacks and how the gun market may be misused to fuel violence. Requests to banks must be sized to fit each institution, and FinCEN must first consult with the FBI, ATF, and gun sellers about what to ask. If enough information is gathered, FinCEN issues the guidance within 540 days; if not, it must explain to Congress what was collected and what barriers remain.

Within 90 days, FinCEN must also set clear definitions for terms like firearm accessory and homegrown violent extremist. Any information requests follow existing suspicious activity reporting rules for banks.

• Who is affected: FinCEN; banks and other financial institutions; the FBI, ATF, and gun sellers (through consultation).
• What changes: FinCEN gathers data from banks and may issue guidance to help spot and report suspicious gun‑related transactions linked to domestic terrorism; requests are tailored by bank size; key terms are defined by rule .
• When: Definitions due within 90 days; information requests within 1 year; guidance or a report to Congress within 540 days of enactment .