US HB3066

Adds wire transfer service providers (such as Western Union, Ria, MoneyGram, XE, and digital remittance platforms) to the definition of "financial institution" under the Bank Secrecy Act, subjecting them to anti-money laundering requirements

Defines wire transfer service providers as entities that electronically transfer funds for consumers or businesses, domestically or internationally

Requires the Secretary of the Treasury to issue implementing rules within 180 days of enactment

Amendments take effect 1 year after enactment to allow companies time to comply

Targets exploitation of unregulated wire transfer services by criminal organizations, cartels, and terrorist groups for human trafficking, drug trade, and terrorism financing