What is the CTR filing deadline?

15 calendar days from the date of the cash transaction exceeding $10,000.

What cash transactions require a CTR?

Any single cash transaction or aggregated same-day cash transactions from the same person exceeding $10,000.

Deliberately breaking up cash transactions to stay under $10,000 to avoid CTR filing. It is a federal crime. File CTR AND SAR if detected.

Do I file CTRs for crypto transactions?

No. CTRs apply to physical currency. Crypto transactions are covered by SAR rules and Travel Rule requirements, not CTRs.

Currency Transaction Report (CTR) deadline

Cash transactions exceeding $10,000 must be reported to FinCEN on a Currency Transaction Report (FinCEN Form 112) within 15 days.

The deadline

When a CTR is required

Structuring is a crime

Deliberately breaking up cash transactions to stay under $10,000 is called structuring, and it is a federal crime under 31 USC 5324. If you detect structuring, file BOTH a CTR AND a SAR.

Transaction	CTR required?
Single cash deposit of $10,001	Yes
Multiple cash deposits totaling $10,000+ in one day from same person	Yes (aggregation)
Cash deposit of $9,999	No
Structured deposits ($5,000 + $5,000 same day, separate trips)	Yes, AND file SAR for structuring

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Frequently Asked Questions

What is the CTR filing deadline?: 15 calendar days from the date of the cash transaction exceeding $10,000.
What cash transactions require a CTR?: Any single cash transaction or aggregated same-day cash transactions from the same person exceeding $10,000.
What is structuring?: Deliberately breaking up cash transactions to stay under $10,000 to avoid CTR filing. It is a federal crime. File CTR AND SAR if detected.
Do I file CTRs for crypto transactions?: No. CTRs apply to physical currency. Crypto transactions are covered by SAR rules and Travel Rule requirements, not CTRs.