; (ii) protect the financial system from illicit use; and (iii) promote national security. (C) FinCEN defined In this paragraph, the term FinCEN means the Financial Crimes Enforcement Network of the Department of the Treasury. . (b) Authorization of appropriation There is authorized to be appropriated such sums as may be necessary to carry out the amendment made by subsection (a). 110. Study and strategy on trade-based money laundering (a) Study The Secretary of the Treasury shall carry out a study, in consultation with other appropriate Federal departments and agencies, on trade-based money laundering. (b) Report Not later than the end of the 9-month period beginning on the date of the enactment of this Act, the Secretary shall issue a report to the Congress containing— (1) all findings and determinations made in carrying out the study required under subsection (a); and (2) proposed strategies to combat trade-based money laundering. (c) Classified annex The report required under this section may include a classified annex, if the Secretary determines it appropriate. 111. De-risking report (a) Review The Secretary of the Treasury, in consultation with the Federal functional regulators (as defined under section 103) and other relevant stakeholders, shall undertake a formal review of— (1) the adverse consequences of financial institutions de-risking entire categories of relationships, including charities, embassy accounts, money services businesses (as defined under section 1010.100(ff) of title 31, Code of Federal Regulations), countries, regions, and respondent banks; (2) the reasons why financial institutions are engaging in de-risking; (3) the association with and effects of de-risking on money laundering and financial crime actors and activities