source:
  type: regulation
  id: bsa-31usc-5324
  authority: Bank Secrecy Act (31 U.S.C.) § 5324 — Structuring transactions to evade reporting requirement prohibited
  description: 'Bank Secrecy Act (31 U.S.C.), §5324 Structuring transactions to evade reporting requirement prohibited.
    Captured section-complete from Cornell LII (verbatim).

    '
obligations:
- id: bsa-31usc-5324-a
  canonical_id: bsa-31usc-5324-a
  section: 31 U.S.C. §5324(a)
  description: 'Structuring transactions to evade reporting requirement prohibited — (a): (a) Domestic Coin and
    Currency Transactions Involving Financial Institutions.— No person shall, for the purpose of evading the reporting
    requirements of section 5313(a) or 5325 or any regulation prescribed under any such section, the reporting or
    recordkeeping requirements imposed by any order issue…'
  type: dont
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: Bank Secrecy Act (31 U.S.C.) § 5324
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/31/5324
    snapshot_id: 6cdec9911dc14965
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:74652769c6efe9b30db2f5dd9c1c1ec580599ad5605a46f4ad1abc54f2c4d969
    paragraph_quote: (a) Domestic Coin and Currency Transactions Involving Financial Institutions.— No person shall,
      for the purpose of evading the reporting requirements of section 5313(a) or 5325 or any regulation prescribed
      under any such section, the reporting or recordkeeping requirements imposed by any order issued under section
      5326, or the recordkeeping requirements imposed by any regulation prescribed under section 21 of the Federal
      Deposit Insurance Act or section 123 of Public Law 91–508 — (1) cause or attempt to cause a domestic financial
      institution to fail to file a report required under section 5313(a) or 5325 or any regulation prescribed under
      any such section, to file a report or to maintain a record required by an order issued under section 5326,
      or to maintain a record required pursuant to any regulation prescribed under section 21 of the Federal Deposit
      Insurance Act or section 123 of Public Law 91–508 ; (2) cause or attempt to cause a domestic financial institution
      to file a report required under section 5313(a) or 5325 or any regulation prescribed under any such section,
      to file a report or to maintain a record required by any order issued under section 5326, or to maintain a
      record required pursuant to any regulation prescribed under section 5326, or to maintain a record required
      pursuant to any regulation prescribed under section 21 of the Federal Deposit Insurance Act or section 123
      of Public Law 91–508 , that contains a material omission or misstatement of fact; or (3) structure or assist
      in structuring, or attempt to structure or assist in structuring, any transaction with one or more domestic
      financial institutions .
    drafter_attestation: Verbatim slice of 31 U.S.C. §5324 subsection (a) from Cornell LII snapshot 6cdec9911dc14965;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: bsa-31usc-5324-b
  canonical_id: bsa-31usc-5324-b
  section: 31 U.S.C. §5324(b)
  description: 'Structuring transactions to evade reporting requirement prohibited — (b): (b) Domestic Coin and
    Currency Transactions Involving Nonfinancial Trades or Businesses.— No person shall, for the purpose of evading
    the report requirements of section 5331 or any regulation prescribed under such section— (1) cause or attempt
    to cause a nonfinancial trade or business to fail to fil…'
  type: dont
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: Bank Secrecy Act (31 U.S.C.) § 5324
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/31/5324
    snapshot_id: 6cdec9911dc14965
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:74652769c6efe9b30db2f5dd9c1c1ec580599ad5605a46f4ad1abc54f2c4d969
    paragraph_quote: (b) Domestic Coin and Currency Transactions Involving Nonfinancial Trades or Businesses.— No
      person shall, for the purpose of evading the report requirements of section 5331 or any regulation prescribed
      under such section— (1) cause or attempt to cause a nonfinancial trade or business to fail to file a report
      required under section 5331 or any regulation prescribed under such section; (2) cause or attempt to cause
      a nonfinancial trade or business to file a report required under section 5331 or any regulation prescribed
      under such section that contains a material omission or misstatement of fact; or (3) structure or assist in
      structuring, or attempt to structure or assist in structuring, any transaction with 1 or more nonfinancial
      trades or businesses.
    drafter_attestation: Verbatim slice of 31 U.S.C. §5324 subsection (b) from Cornell LII snapshot 6cdec9911dc14965;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: bsa-31usc-5324-c
  canonical_id: bsa-31usc-5324-c
  section: 31 U.S.C. §5324(c)
  description: 'Structuring transactions to evade reporting requirement prohibited — (c): (c) International Monetary
    Instrument Transactions.— No person shall, for the purpose of evading the reporting requirements of section
    5316 — (1) fail to file a report required by section 5316, or cause or attempt to cause a person to fail to
    file such a report; (2) file or cause or attempt to cause…'
  type: dont
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: Bank Secrecy Act (31 U.S.C.) § 5324
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/31/5324
    snapshot_id: 6cdec9911dc14965
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:74652769c6efe9b30db2f5dd9c1c1ec580599ad5605a46f4ad1abc54f2c4d969
    paragraph_quote: (c) International Monetary Instrument Transactions.— No person shall, for the purpose of evading
      the reporting requirements of section 5316 — (1) fail to file a report required by section 5316, or cause
      or attempt to cause a person to fail to file such a report; (2) file or cause or attempt to cause a person
      to file a report required under section 5316 that contains a material omission or misstatement of fact; or
      (3) structure or assist in structuring, or attempt to structure or assist in structuring, any importation
      or exportation of monetary instruments .
    drafter_attestation: Verbatim slice of 31 U.S.C. §5324 subsection (c) from Cornell LII snapshot 6cdec9911dc14965;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
- id: bsa-31usc-5324-d
  canonical_id: bsa-31usc-5324-d
  section: 31 U.S.C. §5324(d)
  description: 'Structuring transactions to evade reporting requirement prohibited — (d): (d) Criminal Penalty.—
    (1) In general.— Whoever violates this section shall be fined in accordance with title 18, United States Code,
    imprisoned for not more than 5 years, or both. (2) Enhanced penalty for aggravated cases.— Whoever violates
    this section while violating another law of the United Sta…'
  type: do
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  - usc-statute
  primary_source:
    tier: 1
    authority: Bank Secrecy Act (31 U.S.C.) § 5324
    source_class: usc-statute-lii
    source_url: https://www.law.cornell.edu/uscode/text/31/5324
    snapshot_id: 6cdec9911dc14965
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:74652769c6efe9b30db2f5dd9c1c1ec580599ad5605a46f4ad1abc54f2c4d969
    paragraph_quote: (d) Criminal Penalty.— (1) In general.— Whoever violates this section shall be fined in accordance
      with title 18, United States Code, imprisoned for not more than 5 years, or both. (2) Enhanced penalty for
      aggravated cases.— Whoever violates this section while violating another law of the United States or as part
      of a pattern of any illegal activity involving more than $100,000 in a 12-month period shall be fined twice
      the amount provided in subsection (b)(3) or (c)(3) (as the case may be) of section 3571 of title 18 , United
      States Code, imprisoned for not more than 10 years, or both. (Added Pub. L. 99–570, title I, § 1354(a) , Oct.
      27, 1986 , 100 Stat. 3207–22 ; amended Pub. L. 102–550, title XV , §§ 1517(a), 1525(a), 1535(a)(1), Oct. 28,
      1992 , 106 Stat. 4059 , 4064, 4066; Pub. L. 103–322, title XXXIII, § 330017(a)(2) , Sept. 13, 1994 , 108 Stat.
      2149 ; Pub. L. 103–325, title IV , §§ 411(a), 413(a)(2), Sept. 23, 1994 , 108 Stat. 2253 , 2254; Pub. L. 107–56,
      title III , §§ 353(c), 365(b)(1), (2)(A), Oct. 26, 2001 , 115 Stat. 323 , 334, 335; Pub. L. 108–458, title
      VI, § 6203(g) , Dec. 17, 2004 , 118 Stat. 3747 .)
    drafter_attestation: Verbatim slice of 31 U.S.C. §5324 subsection (d) from Cornell LII snapshot 6cdec9911dc14965;
      body isolated between nav and Editorial/Statutory Notes; substring-verified.
  judgment: false
