[{"data":1,"prerenderedAt":-1},["ShallowReactive",2],{"doc-seo-294273-105":3,"detail-sidebar-cat-0-en-105":81,"doc-detail-294273-en":131},{"code":4,"msg":5,"data":6},0,"ok",{"site_id":7,"language":8,"slug":9,"title":10,"keywords":11,"description":12,"schema_data":13,"social_meta":74,"head_meta":76,"extra_data":78,"updated_unix":80},105,"en","section-314b-fact-sheet-updated-june-12-2026","Section 314(b) Fact Sheet - Updated June 12, 2026","","U.S. Treasury FinCEN issues an updated Section 314(b) fact sheet to support information sharing among financial institutions in order to identify and address fraud, money laundering, terrorist financing, narcotics trafficking, sanctions evasion, and related criminal activity. The sheet explains the purpose of Section 314(b), participation as voluntary, and the conditions for sharing, including real-time permissibility and safe-harbor protections from liability. It also describes what information may be shared, including details tied to specified unlawful activities and specified fraud-related offenses.",{"@graph":14,"@context":73},[15,34,56],{"@type":16,"itemListElement":17},"BreadcrumbList",[18,23,27,31],{"item":19,"name":20,"@type":21,"position":22},"https://docshare.wps.com","Home","ListItem",1,{"item":24,"name":25,"@type":21,"position":26},"https://docshare.wps.com/document/","Document",2,{"item":28,"name":29,"@type":21,"position":30},"https://docshare.wps.com/document/research-report/","Research & Report",3,{"item":32,"name":10,"@type":21,"position":33},"https://docshare.wps.com/document/section-314b-fact-sheet-updated-june-12-2026/294273/",4,{"url":32,"name":10,"@type":35,"image":36,"author":41,"headline":10,"publisher":44,"fileFormat":47,"inLanguage":8,"description":12,"dateModified":48,"datePublished":49,"encodingFormat":47,"isAccessibleForFree":50,"interactionStatistic":51},"DigitalDocument",{"url":37,"@type":38,"width":39,"height":40},"https://docshare.wps.com/thumbnails/section-314b-fact-sheet-updated-june-12-2026/294273.png","ImageObject",300,407,{"name":42,"@type":43},"Nguyễn Văn Học","Person",{"url":19,"name":45,"@type":46},"DocShare","Organization","application/pdf","2026-11-12","2026-09-17",true,{"@type":52,"interactionType":53,"userInteractionCount":55},"InteractionCounter",{"@type":54},"ViewAction",16,{"@type":57,"mainEntity":58},"FAQPage",[59,65,69],{"name":60,"@type":61,"acceptedAnswer":62},"What is the purpose of Section 314(b) and what protections does it provide?","Question",{"text":63,"@type":64},"Section 314(b) allows financial institutions to share information with one another under a safe harbor designed to protect against liability. The goal is to improve identification and reporting of activities that may involve money laundering or terrorist activity.","Answer",{"name":66,"@type":61,"acceptedAnswer":67},"Is participation in the Section 314(b) information sharing program mandatory?",{"text":68,"@type":64},"Participation is voluntary. FinCEN strongly encourages financial institutions to participate because information sharing can help manage illicit financing risks and support government efforts to identify and prevent financial crime.",{"name":70,"@type":61,"acceptedAnswer":71},"What types of information may financial institutions share under Section 314(b)?",{"text":72,"@type":64},"Financial institutions and associations may share information about individuals, entities, organizations, and countries to identify and, where appropriate, report activities that may involve possible terrorist activity or money laundering. Money laundering includes transactions involving proceeds of specified unlawful activity intended to promote, conceal, disguise, or further a fraudulent scheme, and may include fraud-related specified unlawful activity.","https://schema.org",{"og:url":32,"og:type":75,"og:title":10,"og:site_name":45,"og:description":12},"article",{"robots":77,"canonical":32},"index,follow",{"doc_id":79,"site_id":7},294273,1789681176,{"code":4,"msg":82,"data":83},"success",[84,88,92,96,101,106,111,115,120,123,127],{"id":22,"doc_module":4,"doc_module_name":25,"category_name":85,"show_sort_weight":86,"slug":87},"Story & Novel",90,"story-novel",{"id":26,"doc_module":4,"doc_module_name":25,"category_name":89,"show_sort_weight":90,"slug":91},"Literature",80,"literature",{"id":33,"doc_module":4,"doc_module_name":25,"category_name":93,"show_sort_weight":94,"slug":95},"Exam",70,"exam",{"id":97,"doc_module":4,"doc_module_name":25,"category_name":98,"show_sort_weight":99,"slug":100},5,"Comic",60,"comic",{"id":102,"doc_module":4,"doc_module_name":25,"category_name":103,"show_sort_weight":104,"slug":105},6,"Technology",50,"technology",{"id":107,"doc_module":4,"doc_module_name":25,"category_name":108,"show_sort_weight":109,"slug":110},7,"Healthcare",40,"healthcare",{"id":112,"doc_module":4,"doc_module_name":25,"category_name":29,"show_sort_weight":113,"slug":114},8,30,"research-report",{"id":116,"doc_module":4,"doc_module_name":25,"category_name":117,"show_sort_weight":118,"slug":119},9,"Religion & Spirituality",20,"religion-spirituality",{"id":118,"doc_module":4,"doc_module_name":25,"category_name":121,"show_sort_weight":118,"slug":122},"World Cup","world-cup",{"id":124,"doc_module":4,"doc_module_name":25,"category_name":125,"show_sort_weight":124,"slug":126},10,"Lifestyle","lifestyle",{"id":128,"doc_module":4,"doc_module_name":25,"category_name":129,"show_sort_weight":97,"slug":130},19,"General","general",{"code":4,"msg":82,"data":132},{"doc_id":79,"user_id":133,"nickname":42,"user_avatar":134,"doc_module":4,"category_id":112,"category_name":29,"doc_title":10,"doc_description":12,"doc_content":135,"file_id":136,"file_url":137,"file_type":138,"file_size":139,"view_count":55,"is_deleted":4,"is_public":22,"is_downloadable":22,"audit_status":22,"page_count":124,"language":140,"language_code":8,"site_id":7,"html_lang":8,"table_of_contents":141,"faqs":142,"seo_title":143,"seo_description":12,"update_tm":80,"read_time":144,"preview_page_count":4},1374402739827,"https://ap-avatar.wpscdn.com/avatar/14000c97e7351f1a627?x-image-process=image/resize,m_fixed,w_180,h_180&k=1787885694763230660","Section 314(b) Fact Sheet  \nIssue Date: June 12, 2026  \nThe U.S. Department of the Treasury’s (Treasury) Financial Crimes Enforcement Network (FinCEN) is issuing this fact sheet in support of Treasury’s efforts to promote greater information sharing between and among financial institutions to identify fraud, money laundering, terrorist financing, narcotics trafficking and related crimes, sanctions evasion, and other criminal activity. This fact sheet further clarifies: (1) the permissibility of real-time information sharing under section 314(b) of the USA PATRIOT Act;  \n(2) under what circumstances information, including related to fraud, can be shared; and  \n(3) how information can be shared. This fact sheet expands upon and replaces FinCEN’s December 2020 fact sheet.1  \nWhat is section 314(b)?  \nSection 314(b) provides financial institutions with the ability to share information with one another, under a safe harbor that offers protections from liability, to improve the identification and reporting of activities that may involve money laundering or terrorist activities.2 Participation in information sharing pursuant to section 314(b) is voluntary. FinCEN strongly encourages financial institutions to participate in the program as information sharing between and among financial institutions can assist financial institutions in managing illicit financing risks and can ultimately provide the government with highly useful information to identify and prevent financial crime.3  \nAmong other things, information sharing pursuant to section 314 (b) allows financial institutions to respond to threats—activities a financial institution suspects may involve possible terrorist activity or money laundering, such as fraud and other criminal activity—that are carried out by repeat actors moving across financial institutions to evade detection. The section 314(b) program provides financial institutions with the flexibility and connectivity needed to counter these threats and prevent bad actors from exploiting gaps between institutions.  \n[Updated June 12, 2026]  \n1. FinCEN, Section 314(b) Fact Sheet (Dec. 2020),  \n[www.fincen.gov/system/files/2026-06/314bfactsheet-12-2020.pdf](www.fincen.gov/system/files/2026-06/314bfactsheet-12-2020.pdf).  \n2. See Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act of 2001 (USA PATRIOT Act), Pub. L. No. 107-56, 115 Stat. 272 (Oct. 26, 2001),§ 314(b); 31 C.F.R. §§ 1010.540(a),(b)(5) .  \n3. See, e.g., FinCEN, FIN-2025-G001, Cross-Border Information Sharing by Financial Institutions and SAR Confidentiality (Sept. 5, 2025), [www.fincen.gov/system/files/2025-09/Crossborderguidance-508C.pdf](www.fincen.gov/system/files/2025-09/Crossborderguidance-508C.pdf).  \n1  \nSection 314(b) Fact Sheet  \nSharing Information Involving Terrorism, Money Laundering, Fraud, and Other Activities What information can be shared pursuant to section 314(b)?  \nFinancial institutions and associations of financial institutions may rely on the safe harbor provided by section 314(b) to share information with one another regarding individuals, entities, organizations, and countries for purposes of identifying and, where appropriate, reporting activities that may involve possible terrorist activity or money laundering (which, as discussed below, may include information about fraud and other specified unlawful activities (SUAs)) .  \nA financial institution or association of financial institutions may, under the protection of the section 314(b) safe harbor, share information about activity that a financial institution or association of financial institutions suspects may involve possible money laundering (which, as discussed below, may include information about fraud and other SUAs) or terrorist financing. It is sufficient for a financial institution or association of financial institutions to transmit, receive, or otherwise share information with any other financial institution or ass","cbCaidupXogHcPAU","https://ap.wps.com/l/cbCaidupXogHcPAU","pdf",913179,"English","# What is section 314(b)?\n## Information sharing purpose and safe harbor\n# What information can be shared pursuant to section 314(b)?\n## Scope of covered parties and activities\n## Definition of money laundering and specified unlawful activity","[{\"question\":\"What is the purpose of Section 314(b) and what protections does it provide?\",\"answer\":\"Section 314(b) allows financial institutions to share information with one another under a safe harbor designed to protect against liability. The goal is to improve identification and reporting of activities that may involve money laundering or terrorist activity.\"},{\"question\":\"Is participation in the Section 314(b) information sharing program mandatory?\",\"answer\":\"Participation is voluntary. FinCEN strongly encourages financial institutions to participate because information sharing can help manage illicit financing risks and support government efforts to identify and prevent financial crime.\"},{\"question\":\"What types of information may financial institutions share under Section 314(b)?\",\"answer\":\"Financial institutions and associations may share information about individuals, entities, organizations, and countries to identify and, where appropriate, report activities that may involve possible terrorist activity or money laundering. Money laundering includes transactions involving proceeds of specified unlawful activity intended to promote, conceal, disguise, or further a fraudulent scheme, and may include fraud-related specified unlawful activity.\"}]","Section 314(b) Fact Sheet - Updated June 12, 2026 | PDF",25]