Stop Fentanyl Money Laundering Act of 2025

This bill targets the money behind fentanyl and other illegal drugs. It lets the U.S. Treasury put special rules on certain overseas banks, accounts, or types of transactions linked to drug money, and can require U.S. banks to take extra steps to monitor or report them. Within one year, the Financial Crimes Enforcement Network must update guidance to help banks spot Chinese professional money laundering tied to fentanyl and other synthetic opioids.

It also speeds up how banks report suspected drug trafficking. Within 180 days, FinCEN must give clear instructions for filing suspicious activity reports about transnational criminal organizations and prioritize looking into those reports. Within 360 days, the Government Accountability Office must report lessons from past drug crises—like who criminals target, harms to people and communities, what helped, and what could work now for the opioid crisis.

• Who is affected: U.S. banks and financial institutions; foreign banks tied to fentanyl money flows; communities harmed by drug trafficking .
• What changes: More tools for Treasury to restrict risky foreign banking activities; updated bank guidance to spot fentanyl-related laundering; clearer reporting rules and more focus on suspicious reports .
• When: Bank-reporting guidance due within 180 days; anti-laundering advisory due within one year; lessons-learned report due within 360 days of enactment.