Currency transaction report 2026

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The document is a FinCEN Form 104, also known as the Currency Transaction Report (CTR), which financial institutions must file for transactions involving more than $10,000 in currency. It includes sections for identifying individuals involved in the transaction, details about the transaction itself, and information about the financial institution where the transaction occurred. The form outlines requirements for reporting suspicious transactions and emphasizes the importance of verifying identities using acceptable forms of identification. It also provides instructions on how to complete and submit the form.

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Click ‘Get Form’ to open the Currency Transaction Report in the editor.
Begin with Part I, where you will check applicable boxes for amendments or multiple transactions. Fill in the details of the person on whose behalf the transaction is conducted, including their last name, first name, and address.
In Section A, provide identification details such as SSN or EIN, date of birth, and occupation. If verifying identity, indicate the method used.
Proceed to Section B if another individual conducts the transaction. Fill in their details similarly.
Move to Part II to specify the amount and type of transactions. Enter total cash in and out amounts, checking relevant transaction types like wire transfers or currency exchanges.
Complete Part III by entering information about the financial institution where transactions occurred, including its name and address.
Finally, ensure all sections are filled accurately before saving your completed form for submission.

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Versions	Form popularity	Fillable & printable
2011	4.8 Satisfied (74 Votes)
2003	4.4 Satisfied (197 Votes)

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What is the purpose of a currency transaction report?

These transactions are reported on Currency Transaction Reports (CTRs). The federal law requiring these reports was passed to safeguard the financial industry from threats posed by money laundering and other financial crime.

What is an example of a currency transaction report?

Example 2: A person deposits $11,000 in currency to his savings account and withdraws $12,000 in currency from his checking account. The CTR should be completed as follows: Cash In $11,000, Cash Out $12,000. This is because there are two reportable transactions.

What is a currency transaction report?

Federal law requires financial institutions to report currency (cash or coin) transactions over $10,000 conducted by, or on behalf of, one person, as well as multiple currency transactions that aggregate to be over $10,000 in a single day. These transactions are reported on Currency Transaction Reports (CTRs).

What is the purpose of a transaction report?

Transaction reports are a crucial tool for businesses to monitor their economic and operational activities. In inventory management, for example, these reports provide an in-depth overview of all movements of goods in and out of the inventory.

Do you file a CTR for exactly $10,000?

FinCEN regulation 31 CFR 1010.310 requires that financial institutions file currency transaction reports (CTRs). FCMs and IBs are defined as financial institutions and thus must file CTRs in accordance with regulation 31 CFR 1026.310.

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What happens when a CTR is filed?

A CTR is a form used by banks or other financial institutions for any transaction greater than $10,000. The use of this form is mandatory in most cases whether the bank customer is withdrawing or depositing the funds. These CTRs are forwarded to federal regulators in their effort to combat money laundering.