In 2002 President Bush had appointed a commission to look into the September 11 attacks, and two years later it issued its final report. The commission found that the key pre-September 11 failure at the CIA was its not adding to the State Department’s “watch list” two of the “muscle” hijackers (who were trained to restrain the passengers on the plane), the suspected al-Qaeda militants Nawaf al-Hazmi and Khalid al-Mihdhar. The CIA had been tracking Hazmi and Mihdhar since they attended a terrorist summit meeting in Kuala Lumpur, Malaysia, on January 5, 2000. The failure to watch-list the two al-Qaeda suspects with the Department of State meant that they entered the United States under their real names with ease. On January 15, 2000, 10 days after the Malaysian meeting, Hazmi and Mihdhar flew into Los Angeles. The CIA also did not alert the FBI about the identities of the suspected terrorists, which could have helped the bureau locate them once they were inside the United States. According to the commission, this was the failure of not just a few employees at the CIA but a large number of CIA officers and analysts. Some 50 to 60 CIA employees read cables about the two al-Qaeda suspects without taking any action. Some of those officers knew that one of the al-Qaeda suspects had a visa for the United States, and by May 2001 some knew that the other suspect had flown to Los Angeles.
The soon-to-be hijackers would not have been difficult to find in California if their names had been known to law enforcement. Under their real names they rented an apartment, obtained driver’s licenses, opened bank accounts, purchased a car, and took flight lessons at a local school; Mihdhar even listed his name in the local phone directory.
It was only on August 24, 2001, as a result of questions raised by a CIA officer on assignment at the FBI, that the two al-Qaeda suspects were watch-listed and their names communicated to the FBI. Even then the FBI sent out only a “Routine” notice requesting an investigation of Mihdhar. A few weeks later Hazmi and Mihdhar were two of the hijackers on the American Airlines flight that plunged into the Pentagon.
The CIA inspector general concluded that "informing the FBI and good operational follow-through by CIA and FBI might have resulted in surveillance of both al-Mihdhar and al-Hazmi. Surveillance, in turn, would have had the potential to yield information on flight training, financing, and links to others who were complicit in the 9/11 attacks."
The key failure at the FBI was the handling of the Zacarias Moussaoui case. Moussaoui, a French citizen of Moroccan descent, was attending flight school in the summer of 2001 in Minnesota, where he attracted attention from instructors because he had little knowledge of flying and did not behave like a typical aviation student. The flight school contacted the FBI, and on August 16 Moussaoui was arrested on a visa overstay charge. Although Moussaoui was not the "20th hijacker," as was widely reported later, he had received money from one of the September 11 coordinators, Ramzi Binalshibh, and by his own account was going to take part in a second wave of al-Qaeda attacks following the assaults on New York and Washington.
The FBI agent in Minneapolis who handled Moussaoui’s case believed that he might have been planning to hijack a plane, and the agent was also concerned that Moussaoui had traveled to Pakistan, which was a red flag as militants often used the country as a transit point to travel to terrorist training camps in Afghanistan. On August 23 (or 24, according to some reports) CIA director George Tenet was told about the case in a briefing titled "Islamic Extremist Learns to Fly." But FBI headquarters determined that there was not sufficient "probable cause" of a crime for the Minneapolis office to conduct a search of Moussaoui’s computer hard drive and belongings. Such a search would have turned up his connection to Binalshibh, according to Republican Sen. Charles Grassley, a leading member of the Senate Judiciary Committee, which has oversight of the FBI. The 9-11 Commission also concluded that “a maximum U.S. effort to investigate Moussaoui conceivably could have unearthed his connection to Binalshibh.”
It's now incumbent upon you to prove to me otherwise.