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That's the threshold for mandatory CTR. But many institutions file it for smaller transactions.

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Then they are stupid, and aren't following the law, they might start preparing them when they see transactions they think might exceed the threshold, but they don't acutally submit them until they cross the threshold (or they shouldn't because the gubmint yells at you and tells you to file a SAR)

THere is a Monetary Instrument log that is required any time someone buys $3k or more of a negotiable instrument in cash, this is money orders, cashiers checks, or travelers checks, NOT casino chips (as they are not negotiable anywhere but the casino).

Former bank manager now working for a state department of revenue, so I'm pretty solid on those answers. [img]/images/graemlins/smile.gif[/img]