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Guidance

Guidance is intended to clarify obligations or respond to questions of general applicability that arise under the Bank Secrecy Act and implementing regulations at 31 CFR Chapter X. FinCEN alerts, advisories, notices, bulletins, and fact sheets are located here. Guidance regarding beneficial ownership reporting requirements under the Corporate Transparency Act can be found here. Other information pertaining to the Anti-Money Laundering Act of 2020 is available here.

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CMIR guidance for common carriers of currency, including armored car services

The Financial Crimes Enforcement Network (“FinCEN”) is issuing this guidance to correct observed deficiencies and enhance compliance by common carriers of currency,1 including armored car services, with the filing requirements of FinCEN 105, Report of International Transportation of…

| Depository Institutions, Money Services Businesses
BSA Expectations Regarding Marijuana-Related Businesses

The Financial Crimes Enforcement Network (“FinCEN”) is issuing guidance to clarify Bank Secrecy Act (“BSA”) expectations for financial institutions seeking to provide services to marijuana-related businesses. FinCEN is issuing this guidance in light of recent state initiatives to legalize…

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FinCEN Notice 2014-1 FBAR Filing Requirement - Extended Filing Date Related to Notice 2013-1

The Financial Crimes Enforcement Network (FinCEN) is announcing a further extension of time for certain Report of Foreign Bank and Financial Accounts (FBAR) filings in light of ongoing consideration of questions regarding the filing requirement and its application to individuals with signature…

| Casinos, Depository Institutions, Insurance Industry, Money Services Businesses, Precious Metals/Jewelry Industry, Securities and Futures
Administrative Difficulties in Submitting Electronic Reports to FinCEN

As a reminder, as stated in previous Financial Crimes Enforcement Network (FinCEN) Notice(s) to financial institutions,1 FinCEN recognizes that financial institutions may, on limited occasions, have administrative difficulties in submitting Bank Secrecy Act (BSA) reports…

| Money Services Businesses
Application of FinCEN’s Regulations to Persons Administering, Exchanging, or Using Virtual Currencies

The Financial Crimes Enforcement Network ("FinCEN") is issuing this interpretive guidance to clarify the applicability of the regulations implementing the Bank Secrecy Act ("BSA") to persons creating, obtaining, distributing, exchanging, accepting, or transmitting virtual currencies.1…

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FinCEN Notice (2012-2) – FBAR Filing Requirement – Extended Filing Date Related to Notice 2012-1
| Depository Institutions
Definition of Motor Vehicles of Any Kind, Motor Vehicles, Vessels, Aircraft, and Farm Equipment as it Relates to Potential CTR Exemption for a Non-Listed Business

Dear [ ]:

I am responding to your letter, dated October 21, 2010, for an administrative ruling defining motor vehicles, vessels, aircraft, and farm equipment as it relates to exempting the cash transactions of a customer from the requirement to file a currency transaction report ("CTR…

| Casinos
Frequently Asked Questions Casino Recordkeeping, Reporting, and Compliance Program Requirements

This document provides guidance interpreting the requirements of the Bank Secrecy Act ("BSA") regulations1 as they apply to the casino and card club industries in the United States. FinCEN additionally published frequently asked questions for casinos and card clubs as FIN-2007-G005 on…

| Depository Institutions
Guidance on Determining Eligibility for Exemption from Currency Transaction Reporting Requirements

This document revises the guidance originally published on August 31, 2009, to implement the following changes:

  • Relevant citations have been updated to reflect the final rule transferring FinCEN’s regulations from 31 CFR § 103 to 31 C.F.R. Chapter X, effective March 1, 2011, and as…
| Casinos, Depository Institutions, Insurance Industry, Money Services Businesses, Precious Metals/Jewelry Industry, Securities and Futures
Filing FinCEN’s new Currency Transaction Report and Suspicious Activity Report

Today, the Financial Crimes Enforcement Network (FinCEN) began to accept the new Currency Transaction Report (CTR) and Suspicious Activity Report (SAR) into FinCEN’s BSA E-Filing System. Together, these two new reports will replace FinCEN Form 104 (CTR), FinCEN Form 103 (CTR by Casinos), and all…