1. Short title; table of contents (a) Short title This Act may be cited as the Secure And Fair Enforcement Banking Act of 2023 or the SAFE Banking Act of 2023 . (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 federally backed single-family mortgage loan. Sec. 10. Requirements for deposit account termination requests and orders. Sec. 11. Annual diversity and inclusion report. Sec. 12. GAO study on diversity and inclusion. 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. 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 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 )