This bill strengthens the U.S. Secret Service's authority to investigate crimes related to digital assets and cryptocurrency money laundering, including unlicensed money transmitting businesses, structured transactions designed to evade detection, and financial institution fraud. The legislation expands the Secret Service's investigative powers under existing law by adding new crime categories and removing restrictions that previously limited investigations to federally insured institutions. The bill also extends the Financial Crimes Enforcement Network's data retention period from 5 years to 10 years to better support law enforcement investigations, and increases the monitoring period for international financial institutions from 6 to 10 years. Within one year of the bill's enactment, the Government Accountability Office is required to study and report to Congress on how well law enforcement can identify and prevent money laundering connected to cybercrime.