FinCEN Pamphlet on CTRs and Structuring
By David Dickinson
FinCEN has developed a handout for bankers to use to assist in explaining CTR requirements to customers. The handout clearly explains that structuring is a criminal act. You are not required to use this handout. It is simply a resource (free of charge) that you can provide to your customers when they have questions about the $10,000 cash threshold. You can view the FinCEN release and download the pamphlet by clicking on these hyperlinks.