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Sec. 5312. Definitions and application
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(a) In this subchapter –
(1) ''financial agency'' means a person acting for a person
(except for a country, a monetary or financial authority acting
as a monetary or financial authority, or an international
financial institution of which the United States Government is a
member) as a financial institution, bailee, depository trustee,
or agent, or acting in a similar way related to money, credit,
securities, gold, or a transaction in money, credit, securities,
or gold.
(2) ''financial institution'' means -
(A) an insured bank (as defined in section 3(h) of the
Federal Deposit Insurance Act (12 U.S.C. 1813(h)));
(B) a commercial bank or trust company;
(C) a private banker;
(D) an agency or branch of a foreign bank in the United
States;
(E) any credit union;
(F) a thrift institution;
(G) a broker or dealer registered with the Securities and
Exchange Commission under the Securities Exchange Act of 1934
(15 U.S.C. 78a et seq.);
(H) a broker or dealer in securities or commodities;
(I) an investment banker or investment company;
(J) a currency exchange;
(K) an issuer, redeemer, or cashier of travelers' checks,
checks, money orders, or similar instruments;
(L) an operator of a credit card system;
(M) an insurance company;
(N) a dealer in precious metals, stones, or jewels;
(O) a pawnbroker;
(P) a loan or finance company;
(Q) a travel agency;
(R) a licensed sender of money or any other person who
engages as a business in the transmission of funds, including
any person who engages as a business in an informal money
transfer system or any network of people who engage as a
business in facilitating the transfer of money domestically or
internationally outside of the conventional financial
institutions system;
(S) a telegraph company;
(T) a business engaged in vehicle sales, including
automobile, airplane, and boat sales;
(U) persons involved in real estate closings and settlements;
(V) the United States Postal Service;
(W) an agency of the United States Government or of a State
or local government carrying out a duty or power of a business
described in this paragraph;
(X) a casino, gambling casino, or gaming establishment with
an annual gaming revenue of more than $1,000,000 which -
(i) is licensed as a casino, gambling casino, or gaming
establishment under the laws of any State or any political
subdivision of any State; or
(ii) is an Indian gaming operation conducted under or
pursuant to the Indian Gaming Regulatory Act other than an
operation which is limited to class I gaming (as defined in
section 4(6) of such Act);
(Y) any business or agency which engages in any activity
which the Secretary of the Treasury determines, by regulation,
to be an activity which is similar to, related to, or a
substitute for any activity in which any business described in
this paragraph is authorized to engage; or
(Z) any other business designated by the Secretary whose cash
transactions have a high degree of usefulness in criminal, tax,
or regulatory matters.