source:
  type: regulation
  id: bsa-31usc-5323
  authority: Bank Secrecy Act (31 U.S.C.) § 5323 — Whistleblower incentives and protections
  description: 'Bank Secrecy Act (31 U.S.C.), §5323 Whistleblower incentives and protections. Captured section-complete
    from Cornell LII (verbatim).

    '
obligations:
- id: bsa-31usc-5323-a
  canonical_id: bsa-31usc-5323-a
  section: 31 U.S.C. §5323(a)
  description: 'Whistleblower incentives and protections — (a): (a) Definitions.— In this section: (1) Covered judicial
    or administrative action.— The term “ covered judicial or administrative action ” means any judicial or administrative
    action brought by the Secretary of the Treasury (referred to in this section as the “Secretary”) or the Attorney
    General unde…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: Bank Secrecy Act (31 U.S.C.) § 5323
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/31/5323
    snapshot_id: d1801f6ee6d59509
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:3839615d9623f182d23c20acaa74de41ac479b76c81d1eb48d4f34f7dc7ef1a1
    paragraph_quote: '(a) Definitions.— In this section: (1) Covered judicial or administrative action.— The term
      “ covered judicial or administrative action ” means any judicial or administrative action brought by the Secretary
      of the Treasury (referred to in this section as the “Secretary”) or the Attorney General under this subchapter,
      chapter 35 or section 4305 or 4312 of title 50, the Foreign Narcotics Kingpin Designation Act ( 21 U.S.C.
      1901 et seq.), or .), [1] and for conspiracies to violate the aforementioned provisions that results in monetary
      sanctions exceeding $1,000,000. (2) Monetary sanctions.— The term “ monetary sanctions ”, when used with respect
      to any judicial or administrative action— (A) means any monies, including penalties, disgorgement, and interest,
      ordered to be paid; and (B) does not include—'
    drafter_attestation: Verbatim slice of 31 U.S.C. §5323 subsection (a) from Cornell LII snapshot d1801f6ee6d59509;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: bsa-31usc-5323-i
  canonical_id: bsa-31usc-5323-i
  section: 31 U.S.C. §5323(i)
  description: 'Whistleblower incentives and protections — (i): (i) forfeiture; (ii) restitution; or (iii) any victim
    compensation payment. (3) Original information.— The term “ original information ” means information that— (A)
    is derived from the independent knowledge or analysis of a whistleblower ; (B) is not known to the Secretary
    or the Attorney General fr…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: Bank Secrecy Act (31 U.S.C.) § 5323
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/31/5323
    snapshot_id: d1801f6ee6d59509
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:3839615d9623f182d23c20acaa74de41ac479b76c81d1eb48d4f34f7dc7ef1a1
    paragraph_quote: (i) forfeiture; (ii) restitution; or (iii) any victim compensation payment. (3) Original information.—
      The term “ original information ” means information that— (A) is derived from the independent knowledge or
      analysis of a whistleblower ; (B) is not known to the Secretary or the Attorney General from any other source,
      unless the whistleblower is the original source of the information; and (C) is not exclusively derived from
      an allegation made in a judicial or administrative hearing, in a governmental report, hearing, audit, or investigation,
      or from the news media, unless the whistleblower is a source of the information. (4) Related action.— The
      term “ related action ”, when used with respect to any covered judicial or administrative action brought by
      the Secretary or the Attorney General, means any judicial or administrative action brought by an entity described
      in any of subclauses (I) through (III) of subsection (g)(4)(D)(i) that is based upon the original information
      provided by a whistleblower pursuant to subsection (b) that led to the successful enforcement of the covered
      action. (5) Whistleblower.— (A) In general.— The term “ whistleblower ” means any individual who provides,
      or 2 or more individuals acting jointly who provide, information relating to a violation of this subchapter,
      chapter 35 or section 4305 or 4312 of title 50, the Foreign Narcotics Kingpin Designation Act ( 21 U.S.C.
      1901 et seq.), or .), 1 and for conspiracies to violate the aforementioned provisions to the employer of the
      individual or individuals, including as part of the job duties of the individual or individuals, or to the
      Secretary or the Attorney General. (B) Special rule.— Solely for the purposes of subsection (g)(1), the term
      “ whistleblower ” includes any individual who takes, or 2 or more individuals acting jointly who take, an
      action described in subsection (g)(1)(A).
    drafter_attestation: Verbatim slice of 31 U.S.C. §5323 subsection (i) from Cornell LII snapshot d1801f6ee6d59509;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: bsa-31usc-5323-b
  canonical_id: bsa-31usc-5323-b
  section: 31 U.S.C. §5323(b)
  description: 'Whistleblower incentives and protections — (b): (b) Awards.— (1) In general.— In any covered judicial
    or administrative action , or related action, the Secretary, under regulations prescribed by the Secretary,
    in consultation with the Attorney General and subject to subsection (c), shall pay an award or awards to 1 or
    more whistleblowers who volu…'
  type: dont
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: Bank Secrecy Act (31 U.S.C.) § 5323
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/31/5323
    snapshot_id: d1801f6ee6d59509
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:3839615d9623f182d23c20acaa74de41ac479b76c81d1eb48d4f34f7dc7ef1a1
    paragraph_quote: (b) Awards.— (1) In general.— In any covered judicial or administrative action , or related
      action, the Secretary, under regulations prescribed by the Secretary, in consultation with the Attorney General
      and subject to subsection (c), shall pay an award or awards to 1 or more whistleblowers who voluntarily provided
      original information to the employer of the individual, the Secretary, or the Attorney General, as applicable,
      that led to the successful enforcement of the covered judicial or administrative action , or related action,
      in an aggregate amount equal to— (A) not less than 10 percent, in total, of what has been collected of the
      monetary sanctions imposed in the action or related actions; and (B) not more than 30 percent, in total, of
      what has been collected of the monetary sanctions imposed in the action or related actions. (2) Payment of
      awards.— (A) In general.— Any amount paid under paragraph (1) shall be paid from the Fund established under
      paragraph (3). (B) Related actions.— The Secretary may pay awards less than the amount described in paragraph
      (1)(A) for related actions in which a whistleblower may be paid by another whistleblower award program. (3)
      Source of awards.— (A) In general.— There shall be established in the Treasury of the United States a revolving
      fund to be known as the Financial Integrity Fund (referred to in this subsection as the “Fund”). (B) Use of
      fund.— The Fund shall be available to the Secretary, without further appropriation or fiscal year limitations,
      only for the payment of awards to whistleblowers as provided in subsection (b). (C) Restrictions on use of
      fund.— The Fund shall not be available to pay any personnel or administrative expenses. (4) Deposits and credits.—
      (A) In general.— There shall be deposited into or credited to the Fund an amount equal to—
    drafter_attestation: Verbatim slice of 31 U.S.C. §5323 subsection (b) from Cornell LII snapshot d1801f6ee6d59509;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: bsa-31usc-5323-i
  canonical_id: bsa-31usc-5323-i
  section: 31 U.S.C. §5323(i)
  description: 'Whistleblower incentives and protections — (i): (i) any monetary sanction collected by the Secretary
    or Attorney General in any judicial or administrative action under this title, chapter 35 or section 4305 or
    4312 of title 50, or the Foreign Narcotics Kingpin Designation Act ( 21 U.S.C. 1901 et seq.), unless the balance
    of the Fund at the time t…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: Bank Secrecy Act (31 U.S.C.) § 5323
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/31/5323
    snapshot_id: d1801f6ee6d59509
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:3839615d9623f182d23c20acaa74de41ac479b76c81d1eb48d4f34f7dc7ef1a1
    paragraph_quote: (i) any monetary sanction collected by the Secretary or Attorney General in any judicial or
      administrative action under this title, chapter 35 or section 4305 or 4312 of title 50, or the Foreign Narcotics
      Kingpin Designation Act ( 21 U.S.C. 1901 et seq.), unless the balance of the Fund at the time the monetary
      sanction is collected exceeds $300,000,000; and (ii) all income from investments made under paragraph (5).
      (B) Additional amounts.— If the amounts deposited into or credited to the Fund under subparagraph (A) are
      not sufficient to satisfy an award made under this subsection, there shall be deposited into or credited to
      the Fund an amount equal to the unsatisfied portion of the award from any monetary sanction collected by the
      Secretary of the Treasury or Attorney General in the covered judicial or administrative action on which the
      award is based. (C) Exception.— No amounts to be deposited or transferred into the United States Victims of
      State Sponsored Terrorism Fund pursuant to the Justice for United States Victims of State Sponsored Terrorism
      Act ( 34 U.S.C. 20144 ) or the Crime Victims Fund pursuant section 1402 of the Victims of Crime Act of 1984
      ( 34 U.S.C. 20101 ) shall be deposited into or credited to the Fund. (5) Investments.— (A) Amounts in fund
      may be invested.— The Secretary of the Treasury may invest the portion of the Fund that is not required to
      meet the current needs of the Fund. (B) Eligible investments.— Investments shall be made by the Secretary
      of the Treasury in obligations of the United States or obligations that are guaranteed as to principal and
      interest by the United States , with maturities suitable to the needs of the Fund as determined by the Secretary.
      (C) Interest and proceeds credited.— The interest on, and the proceeds from the sale or redemption of, any
      obligations held in the Fund shall be credited to, and form a part of, the Fund.
    drafter_attestation: Verbatim slice of 31 U.S.C. §5323 subsection (i) from Cornell LII snapshot d1801f6ee6d59509;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: bsa-31usc-5323-c
  canonical_id: bsa-31usc-5323-c
  section: 31 U.S.C. §5323(c)
  description: 'Whistleblower incentives and protections — (c): (c) Determination of Amount of Award; Denial of
    Award.— (1) Determination of amount of award.— (A) Discretion.— The determination of the amount of an award
    made under subsection (b) shall be in the discretion of the Secretary. (B) Criteria.— In determining the amount
    of an award made under subsectio…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: Bank Secrecy Act (31 U.S.C.) § 5323
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/31/5323
    snapshot_id: d1801f6ee6d59509
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:3839615d9623f182d23c20acaa74de41ac479b76c81d1eb48d4f34f7dc7ef1a1
    paragraph_quote: (c) Determination of Amount of Award; Denial of Award.— (1) Determination of amount of award.—
      (A) Discretion.— The determination of the amount of an award made under subsection (b) shall be in the discretion
      of the Secretary. (B) Criteria.— In determining the amount of an award made under subsection (b), the Secretary
      shall take into consideration—
    drafter_attestation: Verbatim slice of 31 U.S.C. §5323 subsection (c) from Cornell LII snapshot d1801f6ee6d59509;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: bsa-31usc-5323-i
  canonical_id: bsa-31usc-5323-i
  section: 31 U.S.C. §5323(i)
  description: 'Whistleblower incentives and protections — (i): (i) the significance of the information provided
    by the whistleblower to the success of the covered judicial or administrative action ; (ii) the degree of assistance
    provided by the whistleblower and any legal representative of the whistleblower in a covered judicial or administrative
    action ; (iii)…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: Bank Secrecy Act (31 U.S.C.) § 5323
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/31/5323
    snapshot_id: d1801f6ee6d59509
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:3839615d9623f182d23c20acaa74de41ac479b76c81d1eb48d4f34f7dc7ef1a1
    paragraph_quote: (i) the significance of the information provided by the whistleblower to the success of the
      covered judicial or administrative action ; (ii) the degree of assistance provided by the whistleblower and
      any legal representative of the whistleblower in a covered judicial or administrative action ; (iii) the programmatic
      interest of the Department of the Treasury in deterring violations of this this 1 subchapter, chapter 35 or
      section 4305 or 4312 of title 50, and the Foreign Narcotics Kingpin Designation Act ( 21 U.S.C. 1901 et seq.)
      by making awards to whistleblowers who provide information that lead to the successful enforcement of the
      covered judicial or administrative action; and (iv) such additional relevant factors as the Secretary, in
      consultation with the Attorney General, may establish by rule or regulation. (2) Denial of award.— No award
      under subsection (b) may be made— (A) to any whistleblower who is, or was at the time the whistleblower acquired
      the original information submitted to the Secretary or the Attorney General, as applicable, a member, officer,
      or employee—
    drafter_attestation: Verbatim slice of 31 U.S.C. §5323 subsection (i) from Cornell LII snapshot d1801f6ee6d59509;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: bsa-31usc-5323-i
  canonical_id: bsa-31usc-5323-i
  section: 31 U.S.C. §5323(i)
  description: 'Whistleblower incentives and protections — (i): (i) of— (I) an appropriate regulatory or banking
    agency; (II) the Department of the Treasury or the Department of Justice ; or (III) a law enforcement agency;
    and (ii) acting in the normal course of the job duties of the whistleblower ; (B) to any whistleblower who is
    convicted of a criminal violati…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: Bank Secrecy Act (31 U.S.C.) § 5323
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/31/5323
    snapshot_id: d1801f6ee6d59509
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:3839615d9623f182d23c20acaa74de41ac479b76c81d1eb48d4f34f7dc7ef1a1
    paragraph_quote: (i) of— (I) an appropriate regulatory or banking agency; (II) the Department of the Treasury
      or the Department of Justice ; or (III) a law enforcement agency; and (ii) acting in the normal course of
      the job duties of the whistleblower ; (B) to any whistleblower who is convicted of a criminal violation related
      to the judicial or administrative action for which the whistleblower otherwise could receive an award under
      this section; or (C) to any whistleblower who fails to submit information to the Secretary or the Attorney
      General, as applicable, in such form as the Secretary, in consultation with the Attorney General, may, by
      rule, require.
    drafter_attestation: Verbatim slice of 31 U.S.C. §5323 subsection (i) from Cornell LII snapshot d1801f6ee6d59509;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: bsa-31usc-5323-d
  canonical_id: bsa-31usc-5323-d
  section: 31 U.S.C. §5323(d)
  description: 'Whistleblower incentives and protections — (d): (d) Representation.— (1) Permitted representation.—
    Any whistleblower who makes a claim for an award under subsection (b) may be represented by counsel. (2) Required
    representation.— (A) In general.— Any whistleblower who anonymously makes a claim for an award under subsection
    (b) shall be represent…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: Bank Secrecy Act (31 U.S.C.) § 5323
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/31/5323
    snapshot_id: d1801f6ee6d59509
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:3839615d9623f182d23c20acaa74de41ac479b76c81d1eb48d4f34f7dc7ef1a1
    paragraph_quote: (d) Representation.— (1) Permitted representation.— Any whistleblower who makes a claim for
      an award under subsection (b) may be represented by counsel. (2) Required representation.— (A) In general.—
      Any whistleblower who anonymously makes a claim for an award under subsection (b) shall be represented by
      counsel if the whistleblower anonymously submits the information upon which the claim is based. (B) Disclosure
      of identity.— Before the payment of an award, a whistleblower shall disclose the identity of the whistleblower
      and provide such other information as the Secretary may require, directly or through counsel for the whistleblower
      .
    drafter_attestation: Verbatim slice of 31 U.S.C. §5323 subsection (d) from Cornell LII snapshot d1801f6ee6d59509;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: bsa-31usc-5323-e
  canonical_id: bsa-31usc-5323-e
  section: 31 U.S.C. §5323(e)
  description: 'Whistleblower incentives and protections — (e): (e) No Contract Necessary.— No contract with the
    Department of the Treasury is necessary for any whistleblower to receive an award under subsection (b), unless
    otherwise required by the Secretary by rule or regulation.'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: Bank Secrecy Act (31 U.S.C.) § 5323
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/31/5323
    snapshot_id: d1801f6ee6d59509
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:3839615d9623f182d23c20acaa74de41ac479b76c81d1eb48d4f34f7dc7ef1a1
    paragraph_quote: (e) No Contract Necessary.— No contract with the Department of the Treasury is necessary for
      any whistleblower to receive an award under subsection (b), unless otherwise required by the Secretary by
      rule or regulation.
    drafter_attestation: Verbatim slice of 31 U.S.C. §5323 subsection (e) from Cornell LII snapshot d1801f6ee6d59509;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: bsa-31usc-5323-f
  canonical_id: bsa-31usc-5323-f
  section: 31 U.S.C. §5323(f)
  description: 'Whistleblower incentives and protections — (f): (f) Appeals.— (1) In general.— Any determination
    made under this section, including whether, to whom, or in what amount to make awards, shall be in the discretion
    of the Secretary. (2) Requirements.— (A) In general.— Any determination described in paragraph (1), except the
    determination of the amoun…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: Bank Secrecy Act (31 U.S.C.) § 5323
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/31/5323
    snapshot_id: d1801f6ee6d59509
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:3839615d9623f182d23c20acaa74de41ac479b76c81d1eb48d4f34f7dc7ef1a1
    paragraph_quote: (f) Appeals.— (1) In general.— Any determination made under this section, including whether,
      to whom, or in what amount to make awards, shall be in the discretion of the Secretary. (2) Requirements.—
      (A) In general.— Any determination described in paragraph (1), except the determination of the amount of an
      award if the award was made in accordance with subsection (b), may be appealed to the appropriate court of
      appeals of the United States not more than 30 days after the determination is issued by the Secretary. (B)
      Scope of review.— The court to which a determination by the Secretary is appealed under subparagraph (A) shall
      review the determination in accordance with section 706 of title 5 .
    drafter_attestation: Verbatim slice of 31 U.S.C. §5323 subsection (f) from Cornell LII snapshot d1801f6ee6d59509;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: bsa-31usc-5323-g
  canonical_id: bsa-31usc-5323-g
  section: 31 U.S.C. §5323(g)
  description: 'Whistleblower incentives and protections — (g): (g) Protection of Whistleblowers.— (1) Prohibition
    against retaliation.— No employer may, directly or indirectly, discharge, demote, suspend, threaten, blacklist,
    harass, or in any other manner discriminate against a whistleblower in the terms and conditions of employment
    or post-employment because …'
  type: dont
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: Bank Secrecy Act (31 U.S.C.) § 5323
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/31/5323
    snapshot_id: d1801f6ee6d59509
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:3839615d9623f182d23c20acaa74de41ac479b76c81d1eb48d4f34f7dc7ef1a1
    paragraph_quote: (g) Protection of Whistleblowers.— (1) Prohibition against retaliation.— No employer may, directly
      or indirectly, discharge, demote, suspend, threaten, blacklist, harass, or in any other manner discriminate
      against a whistleblower in the terms and conditions of employment or post-employment because of any lawful
      act done by the whistleblower — (A) in providing information in accordance with this section to—
    drafter_attestation: Verbatim slice of 31 U.S.C. §5323 subsection (g) from Cornell LII snapshot d1801f6ee6d59509;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: bsa-31usc-5323-i
  canonical_id: bsa-31usc-5323-i
  section: 31 U.S.C. §5323(i)
  description: 'Whistleblower incentives and protections — (i): (i) the Secretary or the Attorney General; (ii)
    a Federal regulatory or law enforcement agency; (iii) any Member of Congress or any committee of Congress ;
    or (iv) a person with supervisory authority over the whistleblower , or such other person working for the employer
    who has the authority to inve…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: Bank Secrecy Act (31 U.S.C.) § 5323
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/31/5323
    snapshot_id: d1801f6ee6d59509
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:3839615d9623f182d23c20acaa74de41ac479b76c81d1eb48d4f34f7dc7ef1a1
    paragraph_quote: (i) the Secretary or the Attorney General; (ii) a Federal regulatory or law enforcement agency;
      (iii) any Member of Congress or any committee of Congress ; or (iv) a person with supervisory authority over
      the whistleblower , or such other person working for the employer who has the authority to investigate, discover,
      or terminate misconduct; or (B) in initiating, testifying in, or assisting in any investigation or judicial
      or administrative action of the Department of the Treasury or the Department of Justice based upon or related
      to the information described in subparagraph (A); or (C) in providing information regarding any conduct that
      the whistleblower reasonably believes constitutes a violation of any law, rule, or regulation subject to the
      jurisdiction of the Department of the Treasury , or a violation of section 1956, 1957, or 1960 of title 18
      (or any rule or regulation under any such provision), to—
    drafter_attestation: Verbatim slice of 31 U.S.C. §5323 subsection (i) from Cornell LII snapshot d1801f6ee6d59509;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: bsa-31usc-5323-i
  canonical_id: bsa-31usc-5323-i
  section: 31 U.S.C. §5323(i)
  description: 'Whistleblower incentives and protections — (i): (i) a person with supervisory authority over the
    whistleblower at the employer of the whistleblower ; or (ii) another individual working for the employer described
    in clause (i) who the whistleblower reasonably believes has the authority to— (I) investigate, discover, or
    terminate the misconduct; or…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: Bank Secrecy Act (31 U.S.C.) § 5323
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/31/5323
    snapshot_id: d1801f6ee6d59509
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:3839615d9623f182d23c20acaa74de41ac479b76c81d1eb48d4f34f7dc7ef1a1
    paragraph_quote: (i) a person with supervisory authority over the whistleblower at the employer of the whistleblower
      ; or (ii) another individual working for the employer described in clause (i) who the whistleblower reasonably
      believes has the authority to— (I) investigate, discover, or terminate the misconduct; or (II) take any other
      action to address the misconduct. (2) Enforcement.— Any individual who alleges discharge or other discrimination,
      or is otherwise aggrieved by an employer, in violation of paragraph (1), may seek relief by— (A) filing a
      complaint with the Secretary of Labor in accordance with the requirements of this subsection; or (B) if the
      Secretary of Labor has not issued a final decision within 180 days of the filing of a complaint under subparagraph
      (A), and there is no showing that such a delay is due to the bad faith of the claimant, bringing an action
      against the employer at law or in equity in the appropriate district court of the United States , which shall
      have jurisdiction over such an action without regard to the amount in controversy. (3) Procedure.— (A) Department
      of labor complaint.—
    drafter_attestation: Verbatim slice of 31 U.S.C. §5323 subsection (i) from Cornell LII snapshot d1801f6ee6d59509;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: bsa-31usc-5323-i
  canonical_id: bsa-31usc-5323-i
  section: 31 U.S.C. §5323(i)
  description: 'Whistleblower incentives and protections — (i): (i) In general.— Except as provided in clause (ii)
    and subparagraph (C), the requirements under section 42121(b) of title 49 , including the legal burdens of proof
    described in such section 42121(b), shall apply with respect to a complaint filed under paragraph (2)(A) by
    an individual against an emp…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: Bank Secrecy Act (31 U.S.C.) § 5323
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/31/5323
    snapshot_id: d1801f6ee6d59509
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:3839615d9623f182d23c20acaa74de41ac479b76c81d1eb48d4f34f7dc7ef1a1
    paragraph_quote: (i) In general.— Except as provided in clause (ii) and subparagraph (C), the requirements under
      section 42121(b) of title 49 , including the legal burdens of proof described in such section 42121(b), shall
      apply with respect to a complaint filed under paragraph (2)(A) by an individual against an employer. (ii)
      Exception.— With respect to a complaint filed under paragraph (2)(A), notification required to be made under
      section 42121(b)(1) of title 49 shall be made to each person named in the complaint, including the employer.
      (B) District court complaint.—
    drafter_attestation: Verbatim slice of 31 U.S.C. §5323 subsection (i) from Cornell LII snapshot d1801f6ee6d59509;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: bsa-31usc-5323-i
  canonical_id: bsa-31usc-5323-i
  section: 31 U.S.C. §5323(i)
  description: 'Whistleblower incentives and protections — (i): (i) Jury trial.— A party to an action brought under
    paragraph (2)(B) shall be entitled to trial by jury. (ii) Statute of limitations.— (I) In general.— An action
    may not be brought under paragraph (2)(B)— (aa) more than 6 years after the date on which the violation of paragraph
    (1) occurs; or (bb) m…'
  type: dont
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: Bank Secrecy Act (31 U.S.C.) § 5323
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/31/5323
    snapshot_id: d1801f6ee6d59509
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:3839615d9623f182d23c20acaa74de41ac479b76c81d1eb48d4f34f7dc7ef1a1
    paragraph_quote: (i) Jury trial.— A party to an action brought under paragraph (2)(B) shall be entitled to trial
      by jury. (ii) Statute of limitations.— (I) In general.— An action may not be brought under paragraph (2)(B)—
      (aa) more than 6 years after the date on which the violation of paragraph (1) occurs; or (bb) more than 3
      years after the date on which when facts material to the right of action are known, or reasonably should have
      been known, by the employee alleging a violation of paragraph (1). (II) Required action within 10 years.—
      Notwithstanding subclause (I), an action under paragraph (2)(B) may not in any circumstance be brought more
      than 10 years after the date on which the violation occurs. (C) Relief.— Relief for an individual prevailing
      with respect to a complaint filed under subparagraph (A) of paragraph (2) or an action brought under subparagraph
      (B) of that paragraph shall include—
    drafter_attestation: Verbatim slice of 31 U.S.C. §5323 subsection (i) from Cornell LII snapshot d1801f6ee6d59509;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: bsa-31usc-5323-i
  canonical_id: bsa-31usc-5323-i
  section: 31 U.S.C. §5323(i)
  description: 'Whistleblower incentives and protections — (i): (i) reinstatement with the same seniority status
    that the individual would have had, but for the conduct that is the subject of the complaint or action, as applicable;
    (ii) 2 times the amount of back pay otherwise owed to the individual, with interest; (iii) the payment of compensatory
    damages, whic…'
  type: dont
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: Bank Secrecy Act (31 U.S.C.) § 5323
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/31/5323
    snapshot_id: d1801f6ee6d59509
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:3839615d9623f182d23c20acaa74de41ac479b76c81d1eb48d4f34f7dc7ef1a1
    paragraph_quote: (i) reinstatement with the same seniority status that the individual would have had, but for
      the conduct that is the subject of the complaint or action, as applicable; (ii) 2 times the amount of back
      pay otherwise owed to the individual, with interest; (iii) the payment of compensatory damages, which shall
      include compensation for litigation costs, expert witness fees, and reasonable attorneys’ fees; and (iv) any
      other appropriate remedy with respect to the conduct that is the subject of the complaint or action, as applicable.
      (4) Confidentiality.— (A) In general.— Except as provided in subparagraphs (C) and (D), the Secretary or the
      Attorney General, as applicable, and any officer or employee of the Department of the Treasury or the Department
      of Justice , shall not disclose any information, including information provided by a whistleblower to either
      such official, which could reasonably be expected to reveal the identity of a whistleblower, except in accordance
      with the provisions of section 552a of title 5 , unless and until required to be disclosed to a defendant
      or respondent in connection with a public proceeding instituted by the appropriate such official or any entity
      described in subparagraph (D). (B) Exempted statute.— For purposes of section 552 of title 5 , this paragraph
      shall be considered a statute described in subsection (b)(3)(B) of such section 552. (C) Rule of construction.—
      Nothing in this section is intended to limit, or shall be construed to limit, the ability of the Attorney
      General to present such evidence to a grand jury or to share such evidence with potential witnesses or defendants
      in the course of an ongoing criminal investigation. (D) Availability to government agencies.—
    drafter_attestation: Verbatim slice of 31 U.S.C. §5323 subsection (i) from Cornell LII snapshot d1801f6ee6d59509;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: bsa-31usc-5323-i
  canonical_id: bsa-31usc-5323-i
  section: 31 U.S.C. §5323(i)
  description: 'Whistleblower incentives and protections — (i): (i) In general.— Without the loss of its status
    as confidential in the hands of the Secretary or the Attorney General, as applicable, all information referred
    to in subparagraph (A) may, in the discretion of the appropriate such official, when determined by that official
    to be necessary to accomplis…'
  type: dont
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: Bank Secrecy Act (31 U.S.C.) § 5323
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/31/5323
    snapshot_id: d1801f6ee6d59509
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:3839615d9623f182d23c20acaa74de41ac479b76c81d1eb48d4f34f7dc7ef1a1
    paragraph_quote: (i) In general.— Without the loss of its status as confidential in the hands of the Secretary
      or the Attorney General, as applicable, all information referred to in subparagraph (A) may, in the discretion
      of the appropriate such official, when determined by that official to be necessary to accomplish the purposes
      of this subchapter, chapter 35 or section 4305 or 4312 of title 50, or the Foreign Narcotics Kingpin Designation
      Act ( 21 U.S.C. 1901 et seq.), be made available to— (I) any appropriate Federal authority; (II) a State attorney
      general in connection with any criminal investigation; (III) any appropriate State regulatory authority; and
      (IV) a foreign law enforcement authority. (ii) Confidentiality.— (I) In general.— Each of the entities described
      in subclauses (I) through (III) of clause (i) shall maintain such information as confidential in accordance
      with the requirements established under subparagraph (A). (II) Foreign authorities.— Each entity described
      in clause (i)(IV) shall maintain such information in accordance with such assurances of confidentiality as
      determined by the Secretary or Attorney General, as applicable. (5) Rights retained.— Nothing in this section
      shall be deemed to diminish the rights, privileges, or remedies of any whistleblower under any Federal or
      State law or under any collective bargaining agreement. (6) Coordination with other provisions of law.— This
      subsection shall not apply with respect to any employer that is subject to section 33 of the Federal Deposit
      Insurance Act ( 12 U.S.C. 1831j ) or section 213 or 214 of the Federal Credit Union Act ( 12 U.S.C. 1790b
      , 1790c).
    drafter_attestation: Verbatim slice of 31 U.S.C. §5323 subsection (i) from Cornell LII snapshot d1801f6ee6d59509;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: bsa-31usc-5323-h
  canonical_id: bsa-31usc-5323-h
  section: 31 U.S.C. §5323(h)
  description: 'Whistleblower incentives and protections — (h): (h) Provision of False Information.— A whistleblower
    shall not be entitled to an award under this section if the whistleblower — (1) knowingly and willfully makes
    any false, fictitious, or fraudulent statement or representation; or (2) uses any false writing or document
    knowing the writing or docume…'
  type: dont
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: Bank Secrecy Act (31 U.S.C.) § 5323
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/31/5323
    snapshot_id: d1801f6ee6d59509
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:3839615d9623f182d23c20acaa74de41ac479b76c81d1eb48d4f34f7dc7ef1a1
    paragraph_quote: (h) Provision of False Information.— A whistleblower shall not be entitled to an award under
      this section if the whistleblower — (1) knowingly and willfully makes any false, fictitious, or fraudulent
      statement or representation; or (2) uses any false writing or document knowing the writing or document contains
      any false, fictitious, or fraudulent statement or entry.
    drafter_attestation: Verbatim slice of 31 U.S.C. §5323 subsection (h) from Cornell LII snapshot d1801f6ee6d59509;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: bsa-31usc-5323-i
  canonical_id: bsa-31usc-5323-i
  section: 31 U.S.C. §5323(i)
  description: 'Whistleblower incentives and protections — (i): (i) Rulemaking Authority.— The Secretary, in consultation
    with the Attorney General, shall have the authority to issue such rules and regulations as may be necessary
    or appropriate to implement the provisions of this section consistent with the purposes of this section.'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: Bank Secrecy Act (31 U.S.C.) § 5323
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/31/5323
    snapshot_id: d1801f6ee6d59509
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:3839615d9623f182d23c20acaa74de41ac479b76c81d1eb48d4f34f7dc7ef1a1
    paragraph_quote: (i) Rulemaking Authority.— The Secretary, in consultation with the Attorney General, shall
      have the authority to issue such rules and regulations as may be necessary or appropriate to implement the
      provisions of this section consistent with the purposes of this section.
    drafter_attestation: Verbatim slice of 31 U.S.C. §5323 subsection (i) from Cornell LII snapshot d1801f6ee6d59509;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: bsa-31usc-5323-j
  canonical_id: bsa-31usc-5323-j
  section: 31 U.S.C. §5323(j)
  description: 'Whistleblower incentives and protections — (j): (j) Nonenforceability of Certain Provisions Waiving
    Rights and Remedies or Requiring Arbitration of Disputes.— (1) Waiver of rights and remedies.— The rights and
    remedies provided for in this section may not be waived by any agreement, policy form, or condition of employment,
    including by a predispu…'
  type: dont
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: Bank Secrecy Act (31 U.S.C.) § 5323
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/31/5323
    snapshot_id: d1801f6ee6d59509
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:3839615d9623f182d23c20acaa74de41ac479b76c81d1eb48d4f34f7dc7ef1a1
    paragraph_quote: (j) Nonenforceability of Certain Provisions Waiving Rights and Remedies or Requiring Arbitration
      of Disputes.— (1) Waiver of rights and remedies.— The rights and remedies provided for in this section may
      not be waived by any agreement, policy form, or condition of employment, including by a predispute arbitration
      agreement. (2) Predispute arbitration agreements.— No predispute arbitration agreement shall be valid or enforceable,
      to the extent the agreement requires arbitration of a dispute arising under this section. (Added Pub. L. 98–473,
      title II, § 901(e) , Oct. 12, 1984 , 98 Stat. 2135 ; amended Pub. L. 116–283, div. F, title LXIII, § 6314(a)
      , Jan. 1, 2021 , 134 Stat. 4597 ; Pub. L. 117–328, div. AA, title IV, § 401 , Dec. 29, 2022 , 136 Stat. 5536
      .) [1] So in original.
    drafter_attestation: Verbatim slice of 31 U.S.C. §5323 subsection (j) from Cornell LII snapshot d1801f6ee6d59509;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
