“ LIABILITY FOR DISCLOSURES— Any financial institution that makes a disclosure of any possible violation of law or regulation or a disclosure pursuant to this subsection or any other authority, and any director, officer, employee, or agent of such institution, shall not be liable to any person under any law or regulation of the United States or any constitution, law, or regulation of any State or political subdivision thereof, for such disclosure or for any failure to notify the person involved in the transaction or any other person of such disclosure. ”

“ As used in this paragraph, the term ``major money laundering country ́ ́ means a country whose financial institutions engage in currency transactions involving significant amounts of proceeds from international narcotics trafficking. ”

“ DOMESTIC FUNDS TRANSFERS— Whenever the Secretary and the Board of Governors of the Federal Reserve System (hereafter in this section referred to as the `Board ́) determine that the maintenance of records, by insured depository institutions, of payment orders which direct transfers of funds over wholesale funds transfer systems has a high degree of usefulness in criminal, tax, or regulatory investigations or proceedings, the Secretary and the Board shall jointly prescribe regulations to carry out the purposes of this section with respect to the maintenance of such records. ”