US FinCEN expands GTO forcing CTR filings on $1,000–$10,000 cash in border counties
→MSBs must file CTRs on $1,000–$10,000 cash in covered border ZIPs
Change
US FinCEN expanded a Geographic Targeting Order requiring money services businesses to file CTRs for $1,000–$10,000 cash transactions in specified southwest-border counties from March 7 to September 2, 2026.
Why it matters
The order lowers the reporting threshold in covered areas and expands geographic scope to additional counties in Arizona and New Mexico. MSBs must treat mid-range cash transactions as reportable and follow an extended 30-day filing timeline during the GTO period.
Implications
- — MSBs in covered counties must treat $1,000–$10,000 cash transactions as reportable — threshold lowered under GTO
- — MSBs must file each CTR within 30 days during March 7–September 2, 2026 — timeline extended from standard 15 days
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Source
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