; and (B) reduce as much as is possible obstacles to innovation that may arise from existing regulations, guidance, and examination practices related to compliance of financial institutions with the Bank Secrecy Act. (2) Membership (A) In general The subcommittee established under paragraph (1) shall consist of the representatives of the heads of the Federal functional regulators, a representative cross-section of financial institutions subject to the Bank Secrecy Act, law enforcement, and FinCEN. (B) Requirements Each agency representative described in subparagraph (A) shall be an individual who has demonstrated knowledge and competence concerning the application of the Bank Secrecy Act. . (b) Investigator research hub Section 310 of title 31, United States Code, as amended by section 102 of this Act, is amended by adding after subsection (d) the following: (e) Investigative experts (1) In general FinCEN shall hire and maintain a team of financial experts capable of identifying, tracking, and tracing money laundering and terrorist-financing networks in order to conduct and support civil and criminal anti-money-laundering and combating-the-financing-of-terrorism investigations conducted by the United States Government, except that the Inspector General of the Department of the Treasury shall be responsible for hiring and maintaining those experts with respect to audits and inspections of the access and use of data described in subchapter II of chapter 53. (2) Investigative resource hub FinCEN shall, upon a reasonable request from a United States Government agency, require financial experts to, in collaboration with the requesting agency, investigate the potential anti-money-laundering and countering-the-financing-of-terrorism activity that prompted the request. (3) Staffing FinCEN shall hire or retain full-time employees, including trained investigative personnel accorded criminal authority and experienced with subchapter II of chapter 53 to perform the functions contemplated by this subsection, except as