What is the FinCEN Travel Rule threshold?

$3,000 for funds transfers. For virtual assets, the FATF threshold is USD/EUR 1,000.

What information must accompany a Travel Rule transfer?

Originator name, address, account number, and bank. Beneficiary name, address, account number, and bank.

Does the Travel Rule apply to crypto?

The FinCEN Travel Rule (31 CFR 1010.410) applies to funds transfers. The FATF Travel Rule (R.16) extends similar requirements to virtual asset transfers.

How does the Travel Rule connect to sanctions?

Originator and beneficiary data must be screened against OFAC SDN before processing the transfer.

FinCEN Travel Rule (31 CFR 1010.410)

The Bank Secrecy Act Travel Rule requires financial institutions to transmit certain information with funds transfers. For transmittals of $3,000 or more, originator and beneficiary data must accompany the transfer.

Required information

Threshold

$3,000 for funds transfers. The FATF Travel Rule applies a USD/EUR 1,000 threshold for virtual asset transfers, which is separate.

Originator data	Beneficiary data
Name	Name
Address	Address
Account number	Account number
Originator's bank name/address	Beneficiary's bank name/address
Payment instructions (if any)	Identification of intermediary banks

Sanctions connection: Originator and beneficiary names from Travel Rule data must be screened against OFAC SDN before processing.

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Frequently Asked Questions

What is the FinCEN Travel Rule threshold?: $3,000 for funds transfers. For virtual assets, the FATF threshold is USD/EUR 1,000.
What information must accompany a Travel Rule transfer?: Originator name, address, account number, and bank. Beneficiary name, address, account number, and bank.
Does the Travel Rule apply to crypto?: The FinCEN Travel Rule (31 CFR 1010.410) applies to funds transfers. The FATF Travel Rule (R.16) extends similar requirements to virtual asset transfers.
How does the Travel Rule connect to sanctions?: Originator and beneficiary data must be screened against OFAC SDN before processing the transfer.