1. Short title; table of contents (a) Short title This Act may be cited as the Secure And Fair Enforcement Regulation Banking Act or the SAFER Banking Act . (b) Table of contents The table of contents for this Act is as follows: Sec. 1. Short title; table of contents. Sec. 2. Definitions. Sec. 3. Safe harbor for depository institutions. Sec. 4. Protections for providing services to State-sanctioned marijuana businesses. Sec. 5. Protections under Federal law. Sec. 6. Requirements for filing suspicious activity reports. Sec. 7. Guidance and examination procedures. Sec. 8. Banking services for hemp-related legitimate businesses and hemp-related service providers. Sec. 9. Treatment of income derived from a State-sanctioned marijuana business for qualification for a covered mortgage loan. Sec. 10. Requirements for deposit accounts. Sec. 11. Annual access to financial services report. Sec. 12. GAO study on barriers to marketplace entry. Sec. 13. GAO study on effectiveness of certain reports on finding certain persons. Sec. 14. Applicability to hemp-related legitimate businesses and hemp-related service providers. Sec. 15. FinCEN testimony. Sec. 15 16 . Rules of construction. 2. Definitions In this Act: (1) Business of insurance The term business of insurance has the meaning given the term in section 1002 of the Consumer Financial Protection Act of 2010 ( 12 U.S.C. 5481 ). (2) CBD The term CBD means cannabidiol. (3) Community development financial institution The term community development financial institution has the meaning given the term in section 103 of the Community Development Banking and Financial Institutions Act of 1994 ( 12 U.S.C. 4702 ). (4) Depository institution Except where otherwise expressly provided, the term depository institution — (A) means— (i) a depository institution, as defined in section 3(c) of the Federal Deposit Insurance Act ( 12 U.S.C. 1813(c) ); (ii) a Federal credit union, as defined in section 101 of the Federal Credit Union Act ( 12 U.S.C. 1752 )