The Financial Privacy Act of 2025 aims to enhance transparency and protections regarding Bank Secrecy Act (BSA) reports collected by the Financial Crimes Enforcement Network (FinCEN). It acknowledges that FinCEN collects millions of reports annually, including Currency Transaction Reports and Suspicious Activity Reports, and will soon amass beneficial ownership information from millions of companies. The bill highlights concerns that much of this data, while highly sensitive, may have little connection to legitimate law enforcement or intelligence purposes. To address these concerns, the bill mandates that the Secretary of the Treasury submit annual reports to specific congressional committees. These reports must detail the number and type of BSA reports filed and retained by FinCEN, along with descriptions of any written protocols governing agency access to this information. The reports must also include the number of agency queries and any denials or revocations of access, with reasons provided. Furthermore, the Secretary, in consultation with the Director of National Intelligence and the Attorney General, is required to annually review and revise these access protocols. The revisions must focus on tailoring data collection and dissemination to authorized objectives, enforcing prohibitions against unauthorized disclosure , and fully protecting the legal rights, civil liberties, and privacy of all United States persons. Congress will also have direct access to these protocols and receive notice of any revisions. This new reporting and review framework will be incorporated into Chapter 53 of title 31, United States Code. However, the provisions established by this Act are subject to a sunset clause , meaning they will be repealed seven years after the bill's enactment.