The Financial Integrity for National Security Act, or FINS Act, seeks to bolster financial oversight of commercial wire transfer companies to prevent illicit money transfers by criminal organizations. It addresses concerns that international criminal groups exploit unregulated wire transfer services for activities like human trafficking, drug trade, and terrorism due to their minimal regulatory oversight compared to traditional banks. The bill amends Section 5312(a) of title 31, United States Code, to explicitly include "wire transfer service providers" within the definition of financial institutions. This change subjects these entities, broadly defined to include digital remittance platforms, to enhanced regulatory requirements. The Secretary of the Treasury is mandated to issue implementing rules within 180 days, with the amendments becoming effective one year after the Act's enactment.