source:
  type: regulation
  id: bsa-31cfr-1010.100
  authority: 31 CFR Part 1010 — BSA General Provisions (FinCEN) § 1010.100 — General definitions
  description: '31 CFR Part 1010 — BSA General Provisions (FinCEN), §1010.100 General definitions. Captured section-complete
    (all subsections verbatim).

    '
obligations:
- id: bsa-31cfr-1010.100-full
  canonical_id: bsa-31cfr-1010.100-full
  section: 31 CFR §1010.100
  description: 'General definitions: Link to an amendment published at 89 FR 72274, Sept. 4, 2024. This amendment
    was delayed until Jan. 1, 2028, at 91 FR 36, Jan. 2, 2026. When used in this chapter and in forms prescribed
    under this chapter, where not otherwise distinctly expressed or manifestly incompatible with the intent thereof,
    t…'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 31 CFR Part 1010 — BSA General Provisions (FinCEN) § 1010.100
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010
    snapshot_id: 0a27edc17b8b277d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:df40a10825d946456aef7bd04aa63dee60393dda8d124fc93d335066b2b81e36
    paragraph_quote: Link to an amendment published at 89 FR 72274, Sept. 4, 2024. This amendment was delayed until
      Jan. 1, 2028, at 91 FR 36, Jan. 2, 2026. When used in this chapter and in forms prescribed under this chapter,
      where not otherwise distinctly expressed or manifestly incompatible with the intent thereof, terms shall have
      the meanings ascribed in this subpart. Terms applicable to a particular type of financial institution or specific
      part or subpart of this chapter are located in that part or subpart. Terms may have different meanings in
      different parts or subparts.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1010.100 (whole section) from snapshot 0a27edc17b8b277d;
      substring-verified.
  judgment: false
- id: bsa-31cfr-1010.100-a
  canonical_id: bsa-31cfr-1010.100-a
  section: 31 CFR §1010.100(a)
  description: 'General definitions — (a): (a) Accept. A receiving financial institution, other than the recipient''s
    financial institution, accepts a transmittal order by executing the transmittal order. A recipient''s financial
    institution accepts a transmittal order by paying the recipient, by notifying the recipient of the receipt of
    the o…'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 31 CFR Part 1010 — BSA General Provisions (FinCEN) § 1010.100
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010
    snapshot_id: 0a27edc17b8b277d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:df40a10825d946456aef7bd04aa63dee60393dda8d124fc93d335066b2b81e36
    paragraph_quote: (a) Accept. A receiving financial institution, other than the recipient's financial institution,
      accepts a transmittal order by executing the transmittal order. A recipient's financial institution accepts
      a transmittal order by paying the recipient, by notifying the recipient of the receipt of the order or by
      otherwise becoming obligated to carry out the order.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1010.100 subsection (a) from snapshot 0a27edc17b8b277d;
      substring-verified.
  judgment: false
- id: bsa-31cfr-1010.100-b
  canonical_id: bsa-31cfr-1010.100-b
  section: 31 CFR §1010.100(b)
  description: 'General definitions — (b): (b) At one time. For purposes of &#xA7; 1010.340 of this part, a person
    who transports, mails, ships or receives; is about to or attempts to transport, mail or ship; or causes the
    transportation, mailing, shipment or receipt of monetary instruments, is deemed to do so &#x201C;at one time&#x201D;
    if:…'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 31 CFR Part 1010 — BSA General Provisions (FinCEN) § 1010.100
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010
    snapshot_id: 0a27edc17b8b277d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:df40a10825d946456aef7bd04aa63dee60393dda8d124fc93d335066b2b81e36
    paragraph_quote: '(b) At one time. For purposes of &#xA7; 1010.340 of this part, a person who transports, mails,
      ships or receives; is about to or attempts to transport, mail or ship; or causes the transportation, mailing,
      shipment or receipt of monetary instruments, is deemed to do so &#x201C;at one time&#x201D; if: (1) That person
      either alone, in conjunction with or on behalf of others; (2) Transports, mails, ships or receives in any
      manner; is about to transport, mail or ship in any manner; or causes the transportation, mailing, shipment
      or receipt in any manner of; (3) Monetary instruments; (4) Into the United States or out of the United States;
      (5) Totaling more than $10,000; (6)(i) On one calendar day; or (ii) If for the purpose of evading the reporting
      requirements of &#xA7; 1010.340, on one or more days.'
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1010.100 subsection (b) from snapshot 0a27edc17b8b277d;
      substring-verified.
  judgment: false
- id: bsa-31cfr-1010.100-c
  canonical_id: bsa-31cfr-1010.100-c
  section: 31 CFR §1010.100(c)
  description: 'General definitions — (c): (c) Attorney General. The Attorney General of the United States.'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 31 CFR Part 1010 — BSA General Provisions (FinCEN) § 1010.100
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010
    snapshot_id: 0a27edc17b8b277d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:df40a10825d946456aef7bd04aa63dee60393dda8d124fc93d335066b2b81e36
    paragraph_quote: (c) Attorney General. The Attorney General of the United States.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1010.100 subsection (c) from snapshot 0a27edc17b8b277d;
      substring-verified.
  judgment: false
- id: bsa-31cfr-1010.100-d
  canonical_id: bsa-31cfr-1010.100-d
  section: 31 CFR §1010.100(d)
  description: 'General definitions — (d): (d) Bank. Each agent, agency, branch or office within the United States
    of any person doing business in one or more of the capacities listed below: (1) A commercial bank or trust company
    organized under the laws of any State or of the United States; (2) A private bank; (3) A savings and loan associa…'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 31 CFR Part 1010 — BSA General Provisions (FinCEN) § 1010.100
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010
    snapshot_id: 0a27edc17b8b277d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:df40a10825d946456aef7bd04aa63dee60393dda8d124fc93d335066b2b81e36
    paragraph_quote: '(d) Bank. Each agent, agency, branch or office within the United States of any person doing
      business in one or more of the capacities listed below: (1) A commercial bank or trust company organized under
      the laws of any State or of the United States; (2) A private bank; (3) A savings and loan association or a
      building and loan association organized under the laws of any State or of the United States; (4) An insured
      institution as defined in section 401 of the National Housing Act; (5) A savings bank, industrial bank or
      other thrift institution; (6) A credit union organized under the law of any State or of the United States;
      (7) Any other organization (except a money services business) chartered under the banking laws of any state
      and subject to the supervision of the bank supervisory authorities of a State; (8) A bank organized under
      foreign law; (9) Any national banking association or corporation acting under the provisions of section 25(a)
      of the Act of Dec. 23, 1913, as added by the Act of Dec. 24, 1919, ch. 18, 41 Stat. 378, as amended (12 U.S.C.
      611-32).'
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1010.100 subsection (d) from snapshot 0a27edc17b8b277d;
      substring-verified.
  judgment: false
- id: bsa-31cfr-1010.100-e
  canonical_id: bsa-31cfr-1010.100-e
  section: 31 CFR §1010.100(e)
  description: 'General definitions — (e): (e) Bank Secrecy Act. The Currency and Foreign Transactions Reporting
    Act, its amendments, and the other statutes relating to the subject matter of that Act, have come to be referred
    to as the Bank Secrecy Act. These statutes are codified at 12 U.S.C. 1829b, 12 U.S.C. 1951-1959, 18 U.S.C. 1956,
    18 U…'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 31 CFR Part 1010 — BSA General Provisions (FinCEN) § 1010.100
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010
    snapshot_id: 0a27edc17b8b277d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:df40a10825d946456aef7bd04aa63dee60393dda8d124fc93d335066b2b81e36
    paragraph_quote: (e) Bank Secrecy Act. The Currency and Foreign Transactions Reporting Act, its amendments,
      and the other statutes relating to the subject matter of that Act, have come to be referred to as the Bank
      Secrecy Act. These statutes are codified at 12 U.S.C. 1829b, 12 U.S.C. 1951-1959, 18 U.S.C. 1956, 18 U.S.C.
      1957, 18 U.S.C. 1960, and 31 U.S.C. 5311-5314 and 5316-5332 and notes thereto.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1010.100 subsection (e) from snapshot 0a27edc17b8b277d;
      substring-verified.
  judgment: false
- id: bsa-31cfr-1010.100-f
  canonical_id: bsa-31cfr-1010.100-f
  section: 31 CFR §1010.100(f)
  description: 'General definitions — (f): (f) Beneficiary. The person to be paid by the beneficiary''s bank.'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 31 CFR Part 1010 — BSA General Provisions (FinCEN) § 1010.100
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010
    snapshot_id: 0a27edc17b8b277d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:df40a10825d946456aef7bd04aa63dee60393dda8d124fc93d335066b2b81e36
    paragraph_quote: (f) Beneficiary. The person to be paid by the beneficiary's bank.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1010.100 subsection (f) from snapshot 0a27edc17b8b277d;
      substring-verified.
  judgment: false
- id: bsa-31cfr-1010.100-g
  canonical_id: bsa-31cfr-1010.100-g
  section: 31 CFR §1010.100(g)
  description: 'General definitions — (g): (g) Beneficiary''s bank. The bank or foreign bank identified in a payment
    order in which an account of the beneficiary is to be credited pursuant to the order or which otherwise is to
    make payment to the beneficiary if the order does not provide for payment to an account.'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 31 CFR Part 1010 — BSA General Provisions (FinCEN) § 1010.100
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010
    snapshot_id: 0a27edc17b8b277d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:df40a10825d946456aef7bd04aa63dee60393dda8d124fc93d335066b2b81e36
    paragraph_quote: (g) Beneficiary's bank. The bank or foreign bank identified in a payment order in which an
      account of the beneficiary is to be credited pursuant to the order or which otherwise is to make payment to
      the beneficiary if the order does not provide for payment to an account.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1010.100 subsection (g) from snapshot 0a27edc17b8b277d;
      substring-verified.
  judgment: false
- id: bsa-31cfr-1010.100-h
  canonical_id: bsa-31cfr-1010.100-h
  section: 31 CFR §1010.100(h)
  description: 'General definitions — (h): (h) Broker or dealer in securities. A broker or dealer in securities,
    registered or required to be registered with the Securities and Exchange Commission under the Securities Exchange
    Act of 1934, except persons who register pursuant to section 15(b)(11) of the Securities Exchange Act of 1934.'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 31 CFR Part 1010 — BSA General Provisions (FinCEN) § 1010.100
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010
    snapshot_id: 0a27edc17b8b277d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:df40a10825d946456aef7bd04aa63dee60393dda8d124fc93d335066b2b81e36
    paragraph_quote: (h) Broker or dealer in securities. A broker or dealer in securities, registered or required
      to be registered with the Securities and Exchange Commission under the Securities Exchange Act of 1934, except
      persons who register pursuant to section 15(b)(11) of the Securities Exchange Act of 1934.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1010.100 subsection (h) from snapshot 0a27edc17b8b277d;
      substring-verified.
  judgment: false
- id: bsa-31cfr-1010.100-i
  canonical_id: bsa-31cfr-1010.100-i
  section: 31 CFR §1010.100(i)
  description: 'General definitions — (i): (i) Business day. As used in this chapter with respect to banks, business
    day means that day, as normally communicated to its depository customers, on which a bank routinely posts a
    particular transaction to its customer''s account.'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 31 CFR Part 1010 — BSA General Provisions (FinCEN) § 1010.100
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010
    snapshot_id: 0a27edc17b8b277d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:df40a10825d946456aef7bd04aa63dee60393dda8d124fc93d335066b2b81e36
    paragraph_quote: (i) Business day. As used in this chapter with respect to banks, business day means that day,
      as normally communicated to its depository customers, on which a bank routinely posts a particular transaction
      to its customer's account.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1010.100 subsection (i) from snapshot 0a27edc17b8b277d;
      substring-verified.
  judgment: false
- id: bsa-31cfr-1010.100-j
  canonical_id: bsa-31cfr-1010.100-j
  section: 31 CFR §1010.100(j)
  description: 'General definitions — (j): (j) Commodity. Any good, article, service, right, or interest described
    in section 1a(4) of the Commodity Exchange Act (&#x201C;CEA&#x201D;), 7 U.S.C. 1a(4).'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 31 CFR Part 1010 — BSA General Provisions (FinCEN) § 1010.100
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010
    snapshot_id: 0a27edc17b8b277d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:df40a10825d946456aef7bd04aa63dee60393dda8d124fc93d335066b2b81e36
    paragraph_quote: (j) Commodity. Any good, article, service, right, or interest described in section 1a(4) of
      the Commodity Exchange Act (&#x201C;CEA&#x201D;), 7 U.S.C. 1a(4).
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1010.100 subsection (j) from snapshot 0a27edc17b8b277d;
      substring-verified.
  judgment: false
- id: bsa-31cfr-1010.100-k
  canonical_id: bsa-31cfr-1010.100-k
  section: 31 CFR §1010.100(k)
  description: 'General definitions — (k): (k) Common carrier. Any person engaged in the business of transporting
    individuals or goods for a fee who holds himself out as ready to engage in such transportation for hire and
    who undertakes to do so indiscriminately for all persons who are prepared to pay the fee for the particular
    service offer…'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 31 CFR Part 1010 — BSA General Provisions (FinCEN) § 1010.100
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010
    snapshot_id: 0a27edc17b8b277d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:df40a10825d946456aef7bd04aa63dee60393dda8d124fc93d335066b2b81e36
    paragraph_quote: (k) Common carrier. Any person engaged in the business of transporting individuals or goods
      for a fee who holds himself out as ready to engage in such transportation for hire and who undertakes to do
      so indiscriminately for all persons who are prepared to pay the fee for the particular service offered.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1010.100 subsection (k) from snapshot 0a27edc17b8b277d;
      substring-verified.
  judgment: false
- id: bsa-31cfr-1010.100-l
  canonical_id: bsa-31cfr-1010.100-l
  section: 31 CFR §1010.100(l)
  description: 'General definitions — (l): (l) Contract of sale. Any sale, agreement of sale, or agreement to sell
    as described in section 1a(7) of the CEA, 7 U.S.C. 1a(7).'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 31 CFR Part 1010 — BSA General Provisions (FinCEN) § 1010.100
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010
    snapshot_id: 0a27edc17b8b277d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:df40a10825d946456aef7bd04aa63dee60393dda8d124fc93d335066b2b81e36
    paragraph_quote: (l) Contract of sale. Any sale, agreement of sale, or agreement to sell as described in section
      1a(7) of the CEA, 7 U.S.C. 1a(7).
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1010.100 subsection (l) from snapshot 0a27edc17b8b277d;
      substring-verified.
  judgment: false
- id: bsa-31cfr-1010.100-m
  canonical_id: bsa-31cfr-1010.100-m
  section: 31 CFR §1010.100(m)
  description: 'General definitions — (m): (m) Currency. The coin and paper money of the United States or of any
    other country that is designated as legal tender and that circulates and is customarily used and accepted as
    a medium of exchange in the country of issuance. Currency includes U.S. silver certificates, U.S. notes and
    Federal Reser…'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 31 CFR Part 1010 — BSA General Provisions (FinCEN) § 1010.100
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010
    snapshot_id: 0a27edc17b8b277d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:df40a10825d946456aef7bd04aa63dee60393dda8d124fc93d335066b2b81e36
    paragraph_quote: (m) Currency. The coin and paper money of the United States or of any other country that is
      designated as legal tender and that circulates and is customarily used and accepted as a medium of exchange
      in the country of issuance. Currency includes U.S. silver certificates, U.S. notes and Federal Reserve notes.
      Currency also includes official foreign bank notes that are customarily used and accepted as a medium of exchange
      in a foreign country.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1010.100 subsection (m) from snapshot 0a27edc17b8b277d;
      substring-verified.
  judgment: false
- id: bsa-31cfr-1010.100-n
  canonical_id: bsa-31cfr-1010.100-n
  section: 31 CFR §1010.100(n)
  description: 'General definitions — (n): (n) Deposit account. Deposit accounts include transaction accounts described
    in paragraph (ccc) of this section, savings accounts, and other time deposits.'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 31 CFR Part 1010 — BSA General Provisions (FinCEN) § 1010.100
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010
    snapshot_id: 0a27edc17b8b277d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:df40a10825d946456aef7bd04aa63dee60393dda8d124fc93d335066b2b81e36
    paragraph_quote: (n) Deposit account. Deposit accounts include transaction accounts described in paragraph (ccc)
      of this section, savings accounts, and other time deposits.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1010.100 subsection (n) from snapshot 0a27edc17b8b277d;
      substring-verified.
  judgment: false
- id: bsa-31cfr-1010.100-o
  canonical_id: bsa-31cfr-1010.100-o
  section: 31 CFR §1010.100(o)
  description: 'General definitions — (o): (o) Domestic. When used herein, refers to the doing of business within
    the United States, and limits the applicability of the provision where it appears to the performance by such
    institutions or agencies of functions within the United States.'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 31 CFR Part 1010 — BSA General Provisions (FinCEN) § 1010.100
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010
    snapshot_id: 0a27edc17b8b277d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:df40a10825d946456aef7bd04aa63dee60393dda8d124fc93d335066b2b81e36
    paragraph_quote: (o) Domestic. When used herein, refers to the doing of business within the United States, and
      limits the applicability of the provision where it appears to the performance by such institutions or agencies
      of functions within the United States.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1010.100 subsection (o) from snapshot 0a27edc17b8b277d;
      substring-verified.
  judgment: false
- id: bsa-31cfr-1010.100-p
  canonical_id: bsa-31cfr-1010.100-p
  section: 31 CFR §1010.100(p)
  description: 'General definitions — (p): (p) Established customer. A person with an account with the financial
    institution, including a loan account or deposit or other asset account, or a person with respect to which the
    financial institution has obtained and maintains on file the person''s name and address, as well as taxpayer
    identificat…'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 31 CFR Part 1010 — BSA General Provisions (FinCEN) § 1010.100
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010
    snapshot_id: 0a27edc17b8b277d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:df40a10825d946456aef7bd04aa63dee60393dda8d124fc93d335066b2b81e36
    paragraph_quote: (p) Established customer. A person with an account with the financial institution, including
      a loan account or deposit or other asset account, or a person with respect to which the financial institution
      has obtained and maintains on file the person's name and address, as well as taxpayer identification number
      ( e.g., social security or employer identification number) or, if none, alien identification number or passport
      number and country of issuance, and to which the financial institution provides financial services relying
      on that information.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1010.100 subsection (p) from snapshot 0a27edc17b8b277d;
      substring-verified.
  judgment: false
- id: bsa-31cfr-1010.100-q
  canonical_id: bsa-31cfr-1010.100-q
  section: 31 CFR §1010.100(q)
  description: 'General definitions — (q): (q) Execution date. The day on which the receiving financial institution
    may properly issue a transmittal order in execution of the sender''s order. The execution date may be determined
    by instruction of the sender but cannot be earlier than the day the order is received, and, unless otherwise
    determ…'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 31 CFR Part 1010 — BSA General Provisions (FinCEN) § 1010.100
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010
    snapshot_id: 0a27edc17b8b277d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:df40a10825d946456aef7bd04aa63dee60393dda8d124fc93d335066b2b81e36
    paragraph_quote: (q) Execution date. The day on which the receiving financial institution may properly issue
      a transmittal order in execution of the sender's order. The execution date may be determined by instruction
      of the sender but cannot be earlier than the day the order is received, and, unless otherwise determined,
      is the day the order is received. If the sender's instruction states a payment date, the execution date is
      the payment date or an earlier date on which execution is reasonably necessary to allow payment to the recipient
      on the payment date.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1010.100 subsection (q) from snapshot 0a27edc17b8b277d;
      substring-verified.
  judgment: false
- id: bsa-31cfr-1010.100-r
  canonical_id: bsa-31cfr-1010.100-r
  section: 31 CFR §1010.100(r)
  description: 'General definitions — (r): (r) Federal functional regulator. (1) The Board of Governors of the Federal
    Reserve System; (2) The Office of the Comptroller of the Currency; (3) The Board of Directors of the Federal
    Deposit Insurance Corporation; (4) The Office of Thrift Supervision; (5) The National Credit Union Administration;
    …'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 31 CFR Part 1010 — BSA General Provisions (FinCEN) § 1010.100
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010
    snapshot_id: 0a27edc17b8b277d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:df40a10825d946456aef7bd04aa63dee60393dda8d124fc93d335066b2b81e36
    paragraph_quote: (r) Federal functional regulator. (1) The Board of Governors of the Federal Reserve System;
      (2) The Office of the Comptroller of the Currency; (3) The Board of Directors of the Federal Deposit Insurance
      Corporation; (4) The Office of Thrift Supervision; (5) The National Credit Union Administration; (6) The Securities
      and Exchange Commission; or (7) The Commodity Futures Trading Commission.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1010.100 subsection (r) from snapshot 0a27edc17b8b277d;
      substring-verified.
  judgment: false
- id: bsa-31cfr-1010.100-s
  canonical_id: bsa-31cfr-1010.100-s
  section: 31 CFR §1010.100(s)
  description: 'General definitions — (s): (s) FinCEN. FinCEN means the Financial Crimes Enforcement Network, a
    bureau of the Department of the Treasury.'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 31 CFR Part 1010 — BSA General Provisions (FinCEN) § 1010.100
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010
    snapshot_id: 0a27edc17b8b277d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:df40a10825d946456aef7bd04aa63dee60393dda8d124fc93d335066b2b81e36
    paragraph_quote: (s) FinCEN. FinCEN means the Financial Crimes Enforcement Network, a bureau of the Department
      of the Treasury.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1010.100 subsection (s) from snapshot 0a27edc17b8b277d;
      substring-verified.
  judgment: false
- id: bsa-31cfr-1010.100-t
  canonical_id: bsa-31cfr-1010.100-t
  section: 31 CFR §1010.100(t)
  description: 'General definitions — (t): (t) Financial institution. Each agent, agency, branch, or office within
    the United States of any person doing business, whether or not on a regular basis or as an organized business
    concern, in one or more of the capacities listed below: (1) A bank (except bank credit card systems); (2) A
    broker or …'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 31 CFR Part 1010 — BSA General Provisions (FinCEN) § 1010.100
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010
    snapshot_id: 0a27edc17b8b277d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:df40a10825d946456aef7bd04aa63dee60393dda8d124fc93d335066b2b81e36
    paragraph_quote: '(t) Financial institution. Each agent, agency, branch, or office within the United States
      of any person doing business, whether or not on a regular basis or as an organized business concern, in one
      or more of the capacities listed below: (1) A bank (except bank credit card systems); (2) A broker or dealer
      in securities; (3) A money services business as defined in paragraph (ff) of this section; (4) A telegraph
      company; (5)(i) Casino. A casino or gambling casino that: Is duly licensed or authorized to do business as
      such in the United States, whether under the laws of a State or of a Territory or Insular Possession of the
      United States, or under the Indian Gaming Regulatory Act or other Federal, State, or tribal law or arrangement
      affecting Indian lands (including, without limitation, a casino operating on the assumption or under the view
      that no such authorization is required for casino operation on Indian lands); and has gross annual gaming
      revenue in excess of $1 million. The term includes the principal headquarters and every domestic branch or
      place of business of the casino. (ii) For purposes of this paragraph (t)(5), &#x201C;gross annual gaming revenue&#x201D;
      means the gross gaming revenue received by a casino, during either the previous business year or the current
      business year of the casino. A casino or gambling casino which is a casino for purposes of this chapter solely
      because its gross annual gaming revenue exceeds $1,000,000 during its current business year, shall not be
      considered a casino for purposes of this chapter prior to the time in its current business year that its gross
      annual gaming revenue exceeds $1,000,000. (iii) Any reference in this chapter, other than in this paragraph
      (t)(5) and in paragraph (t)(6) of this section, to a casino shall also include a reference to a card club,
      unless the provision in question contains specific language varying its application to card clubs or excluding
      card clubs from its application; (6)(i) Card club. A card club, gaming club, card room, gaming room, or similar
      gaming establishment that is duly licensed or authorized to do business as such in the United States, whether
      under the laws of a State, of a Territory or Insular Possession of the United States, or of a political subdivision
      of any of the foregoing, or under the Indian Gaming Regulatory Act or other Federal, State, or tribal law
      or arrangement affecting Indian lands (including, without limitation, an establishment operating on the assumption
      or under the view that no such authorization is required for operation on Indian lands for an establishment
      of such type), and that has gross annual gaming revenue in excess of $1,000,000. The term includes the principal
      headquarters and every domestic branch or place of business of the establishment. The term &#x201C;casino,&#x201D;
      as used in this chapter shall include a reference to &#x201C;card club&#x201D; to the extent provided in paragraph
      (t)(5)(iii) of this section. (ii) For purposes of this paragraph (t)(6), &#x201C;gross annual gaming revenue&#x201D;
      means the gross revenue derived from or generated by customer gaming activity (whether in the form of per-game
      or per-table fees, however computed, rentals, or otherwise) and received by an establishment, during either
      the establishment''s previous business year or its current business year. A card club that is a financial
      institution for purposes of this chapter solely because its gross annual revenue exceeds $1,000,000 during
      its current business year, shall not be considered a financial institution for purposes of this chapter prior
      to the time in its current business year when its gross annual revenue exceeds $1,000,000; (7) A person subject
      to supervision by any state or Federal bank supervisory authority; (8) A futures commission merchant; (9)
      An introducing broker in commodities; or (10) A mutual fund.'
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1010.100 subsection (t) from snapshot 0a27edc17b8b277d;
      substring-verified.
  judgment: false
- id: bsa-31cfr-1010.100-u
  canonical_id: bsa-31cfr-1010.100-u
  section: 31 CFR §1010.100(u)
  description: 'General definitions — (u): (u) Foreign bank. A bank organized under foreign law, or an agency, branch
    or office located outside the United States of a bank. The term does not include an agent, agency, branch or
    office within the United States of a bank organized under foreign law.'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 31 CFR Part 1010 — BSA General Provisions (FinCEN) § 1010.100
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010
    snapshot_id: 0a27edc17b8b277d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:df40a10825d946456aef7bd04aa63dee60393dda8d124fc93d335066b2b81e36
    paragraph_quote: (u) Foreign bank. A bank organized under foreign law, or an agency, branch or office located
      outside the United States of a bank. The term does not include an agent, agency, branch or office within the
      United States of a bank organized under foreign law.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1010.100 subsection (u) from snapshot 0a27edc17b8b277d;
      substring-verified.
  judgment: false
- id: bsa-31cfr-1010.100-v
  canonical_id: bsa-31cfr-1010.100-v
  section: 31 CFR §1010.100(v)
  description: 'General definitions — (v): (v) Foreign financial agency. A person acting outside the United States
    for a person (except for a country, a monetary or financial authority acting as a monetary or financial authority,
    or an international financial institution of which the United States Government is a member) as a financial
    insti…'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 31 CFR Part 1010 — BSA General Provisions (FinCEN) § 1010.100
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010
    snapshot_id: 0a27edc17b8b277d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:df40a10825d946456aef7bd04aa63dee60393dda8d124fc93d335066b2b81e36
    paragraph_quote: (v) Foreign financial agency. A person acting outside the United States for a person (except
      for a country, a monetary or financial authority acting as a monetary or financial authority, or an international
      financial institution of which the United States Government is a member) as a financial institution, bailee,
      depository trustee, or agent, or acting in a similar way related to money, credit, securities, gold, or a
      transaction in money, credit, securities, or gold.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1010.100 subsection (v) from snapshot 0a27edc17b8b277d;
      substring-verified.
  judgment: false
- id: bsa-31cfr-1010.100-w
  canonical_id: bsa-31cfr-1010.100-w
  section: 31 CFR §1010.100(w)
  description: 'General definitions — (w): (w) Funds transfer. The series of transactions, beginning with the originator''s
    payment order, made for the purpose of making payment to the beneficiary of the order. The term includes any
    payment order issued by the originator''s bank or an intermediary bank intended to carry out the originator''s
    pa…'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 31 CFR Part 1010 — BSA General Provisions (FinCEN) § 1010.100
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010
    snapshot_id: 0a27edc17b8b277d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:df40a10825d946456aef7bd04aa63dee60393dda8d124fc93d335066b2b81e36
    paragraph_quote: (w) Funds transfer. The series of transactions, beginning with the originator's payment order,
      made for the purpose of making payment to the beneficiary of the order. The term includes any payment order
      issued by the originator's bank or an intermediary bank intended to carry out the originator's payment order.
      A funds transfer is completed by acceptance by the beneficiary's bank of a payment order for the benefit of
      the beneficiary of the originator's payment order. Electronic fund transfers as defined in section 903(7)
      of the Electronic Fund Transfer Act (15 U.S.C. 1693a(7)), as well as any other funds transfers that are made
      through an automated clearinghouse, an automated teller machine, or a point-of-sale system, are excluded from
      this definition.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1010.100 subsection (w) from snapshot 0a27edc17b8b277d;
      substring-verified.
  judgment: false
- id: bsa-31cfr-1010.100-x
  canonical_id: bsa-31cfr-1010.100-x
  section: 31 CFR §1010.100(x)
  description: 'General definitions — (x): (x) Futures commission merchant. Any person registered or required to
    be registered as a futures commission merchant with the Commodity Futures Trading Commission (&#x201C;CFTC&#x201D;)
    under the CEA, except persons who register pursuant to section 4f(a)(2) of the CEA, 7 U.S.C. 6f(a)(2).'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 31 CFR Part 1010 — BSA General Provisions (FinCEN) § 1010.100
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010
    snapshot_id: 0a27edc17b8b277d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:df40a10825d946456aef7bd04aa63dee60393dda8d124fc93d335066b2b81e36
    paragraph_quote: (x) Futures commission merchant. Any person registered or required to be registered as a futures
      commission merchant with the Commodity Futures Trading Commission (&#x201C;CFTC&#x201D;) under the CEA, except
      persons who register pursuant to section 4f(a)(2) of the CEA, 7 U.S.C. 6f(a)(2).
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1010.100 subsection (x) from snapshot 0a27edc17b8b277d;
      substring-verified.
  judgment: false
- id: bsa-31cfr-1010.100-y
  canonical_id: bsa-31cfr-1010.100-y
  section: 31 CFR §1010.100(y)
  description: 'General definitions — (y): (y) Indian Gaming Regulatory Act. The Indian Gaming Regulatory Act of
    1988, codified at 25 U.S.C. 2701-2721 and 18 U.S.C. 1166-68.'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 31 CFR Part 1010 — BSA General Provisions (FinCEN) § 1010.100
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010
    snapshot_id: 0a27edc17b8b277d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:df40a10825d946456aef7bd04aa63dee60393dda8d124fc93d335066b2b81e36
    paragraph_quote: (y) Indian Gaming Regulatory Act. The Indian Gaming Regulatory Act of 1988, codified at 25
      U.S.C. 2701-2721 and 18 U.S.C. 1166-68.
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1010.100 subsection (y) from snapshot 0a27edc17b8b277d;
      substring-verified.
  judgment: false
- id: bsa-31cfr-1010.100-z
  canonical_id: bsa-31cfr-1010.100-z
  section: 31 CFR §1010.100(z)
  description: 'General definitions — (z): (z) Intermediary bank. A receiving bank other than the originator''s
    bank or the beneficiary''s bank. (aa) Intermediary financial institution. A receiving financial institution,
    other than the transmittor''s financial institution or the recipient''s financial institution. The term intermediary
    financial…'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 31 CFR Part 1010 — BSA General Provisions (FinCEN) § 1010.100
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010
    snapshot_id: 0a27edc17b8b277d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:df40a10825d946456aef7bd04aa63dee60393dda8d124fc93d335066b2b81e36
    paragraph_quote: '(z) Intermediary bank. A receiving bank other than the originator''s bank or the beneficiary''s
      bank. (aa) Intermediary financial institution. A receiving financial institution, other than the transmittor''s
      financial institution or the recipient''s financial institution. The term intermediary financial institution
      includes an intermediary bank. (bb) Introducing broker-commodities. Any person registered or required to be
      registered as an introducing broker with the CFTC under the CEA, except persons who register pursuant to section
      4f(a)(2) of the CEA, 7 U.S.C. 6f(a)(2). (cc) Investment security. An instrument which: (1) Is issued in bearer
      or registered form; (2) Is of a type commonly dealt in upon securities exchanges or markets or commonly recognized
      in any area in which it is issued or dealt in as a medium for investment; (3) Is either one of a class or
      series or by its terms is divisible into a class or series of instruments; and (4) Evidences a share, participation
      or other interest in property or in an enterprise or evidences an obligation of the issuer. (dd) Monetary
      instruments. (1) Monetary instruments include:'
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1010.100 subsection (z) from snapshot 0a27edc17b8b277d;
      substring-verified.
  judgment: false
- id: bsa-31cfr-1010.100-i
  canonical_id: bsa-31cfr-1010.100-i
  section: 31 CFR §1010.100(i)
  description: 'General definitions — (i): (i) Currency; (ii) Traveler''s checks in any form; (iii) All negotiable
    instruments (including personal checks, business checks, official bank checks, cashier''s checks, third-party
    checks, promissory notes (as that term is defined in the Uniform Commercial Code), and money orders) that are
    either in …'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 31 CFR Part 1010 — BSA General Provisions (FinCEN) § 1010.100
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010
    snapshot_id: 0a27edc17b8b277d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:df40a10825d946456aef7bd04aa63dee60393dda8d124fc93d335066b2b81e36
    paragraph_quote: (i) Currency; (ii) Traveler's checks in any form; (iii) All negotiable instruments (including
      personal checks, business checks, official bank checks, cashier's checks, third-party checks, promissory notes
      (as that term is defined in the Uniform Commercial Code), and money orders) that are either in bearer form,
      endorsed without restriction, made out to a fictitious payee (for the purposes of &#xA7; 1010.340), or otherwise
      in such form that title thereto passes upon delivery; (iv) Incomplete instruments (including personal checks,
      business checks, official bank checks, cashier's checks, third-party checks, promissory notes (as that term
      is defined in the Uniform Commercial Code), and money orders) signed but with the payee's name omitted; and
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1010.100 subsection (i) from snapshot 0a27edc17b8b277d;
      substring-verified.
  judgment: false
- id: bsa-31cfr-1010.100-v
  canonical_id: bsa-31cfr-1010.100-v
  section: 31 CFR §1010.100(v)
  description: 'General definitions — (v): (v) Securities or stock in bearer form or otherwise in such form that
    title thereto passes upon delivery. (2) Monetary instruments do not include warehouse receipts or bills of lading.
    (ee) [Reserved] (ff) Money services business. A person wherever located doing business , whether or not on a
    regula…'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 31 CFR Part 1010 — BSA General Provisions (FinCEN) § 1010.100
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010
    snapshot_id: 0a27edc17b8b277d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:df40a10825d946456aef7bd04aa63dee60393dda8d124fc93d335066b2b81e36
    paragraph_quote: '(v) Securities or stock in bearer form or otherwise in such form that title thereto passes
      upon delivery. (2) Monetary instruments do not include warehouse receipts or bills of lading. (ee) [Reserved]
      (ff) Money services business. A person wherever located doing business , whether or not on a regular basis
      or as an organized or licensed business concern, wholly or in substantial part within the United States, in
      one or more of the capacities listed in paragraphs (ff)(1) through (ff)(7) of this section. This includes
      but is not limited to maintenance of any agent, agency, branch, or office within the United States. (1) Dealer
      in foreign exchange. A person that accepts the currency, or other monetary instruments, funds, or other instruments
      denominated in the currency, of one or more countries in exchange for the currency, or other monetary instruments,
      funds, or other instruments denominated in the currency, of one or more other countries in an amount greater
      than $1,000 for any other person on any day in one or more transactions, whether or not for same-day delivery.
      (2) Check casher &#x2014;(i) In general. A person that accepts checks (as defined in the Uniform Commercial
      Code), or monetary instruments (as defined at &#xA7; 1010.100(dd)(1)(ii), (iii), (iv), and (v)) in return
      for currency or a combination of currency and other monetary instruments or other instruments, in an amount
      greater than $1,000 for any person on any day in one or more transactions. (ii) Facts and circumstances; Limitations.
      Whether a person is a check casher as described in this section is a matter of facts and circumstances. The
      term &#x201C;check casher&#x201D; shall not include: (A) A person that sells prepaid access in exchange for
      a check (as defined in the Uniform Commercial Code), monetary instrument or other instrument; (B) A person
      that solely accepts monetary instruments as payment for goods or services other than check cashing services;
      (C) A person that engages in check cashing for the verified maker of the check who is a customer otherwise
      buying goods and services; (D) A person that redeems its own checks; or (E) A person that only holds a customer''s
      check as collateral for repayment by the customer of a loan. (3) Issuer or seller of traveler''s checks or
      money orders. A person that'
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1010.100 subsection (v) from snapshot 0a27edc17b8b277d;
      substring-verified.
  judgment: false
- id: bsa-31cfr-1010.100-i
  canonical_id: bsa-31cfr-1010.100-i
  section: 31 CFR §1010.100(i)
  description: 'General definitions — (i): (i) Issues traveler''s checks or money orders that are sold in an amount
    greater than $1,000 to any person on any day in one or more transactions; or (ii) Sells traveler''s checks or
    money orders in an amount greater than $1,000 to any person on any day in one or more transactions. (4) Provider
    of pre…'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 31 CFR Part 1010 — BSA General Provisions (FinCEN) § 1010.100
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010
    snapshot_id: 0a27edc17b8b277d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:df40a10825d946456aef7bd04aa63dee60393dda8d124fc93d335066b2b81e36
    paragraph_quote: '(i) Issues traveler''s checks or money orders that are sold in an amount greater than $1,000
      to any person on any day in one or more transactions; or (ii) Sells traveler''s checks or money orders in
      an amount greater than $1,000 to any person on any day in one or more transactions. (4) Provider of prepaid
      access &#x2014;(i) In general. A provider of prepaid access is the participant within a prepaid program that
      agrees to serve as the principal conduit for access to information from its fellow program participants. The
      participants in each prepaid access program must determine a single participant within the prepaid program
      to serve as the provider of prepaid access. (ii) Considerations for provider determination. In the absence
      of registration as the provider of prepaid access for a prepaid program by one of the participants in a prepaid
      access program, the provider of prepaid access is the person with principal oversight and control over the
      prepaid program. Which person exercises &#x201C;principal oversight and control&#x201D; is a matter of facts
      and circumstances. Activities that indicate &#x201C;principal oversight and control&#x201D; include: (A) Organizing
      the prepaid program; (B) Setting the terms and conditions of the prepaid program and determining that the
      terms have not been exceeded; (C) Determining the other businesses that will participate in the prepaid program,
      which may include the issuing bank, the payment processor, or the distributor; (D) Controlling or directing
      the appropriate party to initiate, freeze, or terminate prepaid access; and (E) Engaging in activity that
      demonstrates oversight and control of the prepaid program. (iii) Prepaid program. A prepaid program is an
      arrangement under which one or more persons acting together provide(s) prepaid access. However, an arrangement
      is not a prepaid program if: (A) It provides closed loop prepaid access to funds not to exceed $2,000 maximum
      value that can be associated with a prepaid access device or vehicle on any day; (B) It provides prepaid access
      solely to funds provided by a Federal, State, local, Territory and Insular Possession, or Tribal government
      agency; (C) It provides prepaid access solely to funds from pre-tax flexible spending arrangements for health
      care and dependent care expenses, or from Health Reimbursement Arrangements (as defined in 26 U.S.C. 105(b)
      and 125) for health care expenses; or (D) ( 1 ) It provides prepaid access solely to: ( i ) Employment benefits,
      incentives, wages or salaries; or ( ii ) Funds not to exceed $1,000 maximum value and from which no more than
      $1,000 maximum value can be initially or subsequently loaded, used, or withdrawn on any day through a device
      or vehicle; and ( 2 ) It does not permit: ( i ) Funds or value to be transmitted internationally; ( ii ) Transfers
      between or among users of prepaid access within a prepaid program; or ( iii ) Loading additional funds or
      the value of funds from non-depository sources. (5) Money transmitter &#x2014;(i) In general. (A) A person
      that provides money transmission services. The term &#x201C;money transmission services&#x201D; means the
      acceptance of currency, funds, or other value that substitutes for currency from one person and the transmission
      of currency, funds, or other value that substitutes for currency to another location or person by any means.
      &#x201C;Any means&#x201D; includes, but is not limited to, through a financial agency or institution; a Federal
      Reserve Bank or other facility of one or more Federal Reserve Banks, the Board of Governors of the Federal
      Reserve System, or both; an electronic funds transfer network; or an informal value transfer system; or (B)
      Any other person engaged in the transfer of funds. (ii) Facts and circumstances; Limitations. Whether a person
      is a money transmitter as described in this section is a matter of facts and circumstances. The term &#x201C;money
      transmitter&#x201D; shall not include a person that only: (A) Provides the delivery, communication, or network
      access services used by a money transmitter to support money transmission services; (B) Acts as a payment
      processor to facilitate the purchase of, or payment of a bill for, a good or service through a clearance and
      settlement system by agreement with the creditor or seller; (C) Operates a clearance and settlement system
      or otherwise acts as an intermediary solely between BSA regulated institutions. This includes but is not limited
      to the Fedwire system, electronic funds transfer networks, certain registered clearing agencies regulated
      by the Securities and Exchange Commission (&#x201C;SEC&#x201D;), and derivatives clearing organizations, or
      other clearinghouse arrangements established by a financial agency or institution; (D) Physically transports
      currency, other monetary instruments, other commercial paper, or other value that substitutes for currency
      as a person primarily engaged in such business, such as an armored car, from one person to the same person
      at another location or to an account belonging to the same person at a financial institution, provided that
      the person engaged in physical transportation has no more than a custodial interest in the currency, other
      monetary instruments, other commercial paper, or other value at any point during the transportation; (E) Provides
      prepaid access; or (F) Accepts and transmits funds only integral to the sale of goods or the provision of
      services, other than money transmission services, by the person who is accepting and transmitting the funds.
      (6) U.S. Postal Service. The United States Postal Service, except with respect to the sale of postage or philatelic
      products. (7) Seller of prepaid access. Any person that receives funds or the value of funds in exchange for
      an initial loading or subsequent loading of prepaid access if that person:'
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1010.100 subsection (i) from snapshot 0a27edc17b8b277d;
      substring-verified.
  judgment: false
- id: bsa-31cfr-1010.100-i
  canonical_id: bsa-31cfr-1010.100-i
  section: 31 CFR §1010.100(i)
  description: 'General definitions — (i): (i) Sells prepaid access offered under a prepaid program that can be
    used before verification of customer identification under &#xA7; 1022.210(d)(1)(iv); or (ii) Sells prepaid access
    (including closed loop prepaid access) to funds that exceed $10,000 to any person during any one day, and has
    not imp…'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 31 CFR Part 1010 — BSA General Provisions (FinCEN) § 1010.100
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010
    snapshot_id: 0a27edc17b8b277d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:df40a10825d946456aef7bd04aa63dee60393dda8d124fc93d335066b2b81e36
    paragraph_quote: '(i) Sells prepaid access offered under a prepaid program that can be used before verification
      of customer identification under &#xA7; 1022.210(d)(1)(iv); or (ii) Sells prepaid access (including closed
      loop prepaid access) to funds that exceed $10,000 to any person during any one day, and has not implemented
      policies and procedures reasonably adapted to prevent such a sale. (8) Limitation. For the purposes of this
      section, the term &#x201C;money services business&#x201D; shall not include:'
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1010.100 subsection (i) from snapshot 0a27edc17b8b277d;
      substring-verified.
  judgment: false
- id: bsa-31cfr-1010.100-i
  canonical_id: bsa-31cfr-1010.100-i
  section: 31 CFR §1010.100(i)
  description: 'General definitions — (i): (i) A bank or foreign bank; (ii) A person registered with, and functionally
    regulated or examined by, the SEC or the CFTC, or a foreign financial agency that engages in financial activities
    that, if conducted in the United States, would require the foreign financial agency to be registered with the
    …'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 31 CFR Part 1010 — BSA General Provisions (FinCEN) § 1010.100
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010
    snapshot_id: 0a27edc17b8b277d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:df40a10825d946456aef7bd04aa63dee60393dda8d124fc93d335066b2b81e36
    paragraph_quote: '(i) A bank or foreign bank; (ii) A person registered with, and functionally regulated or examined
      by, the SEC or the CFTC, or a foreign financial agency that engages in financial activities that, if conducted
      in the United States, would require the foreign financial agency to be registered with the SEC or CFTC; or
      (iii) A natural person who engages in an activity identified in paragraphs (ff)(1) through (ff)(5) of this
      section on an infrequent basis and not for gain or profit. (gg) Mutual fund. An &#x201C;investment company&#x201D;
      (as the term is defined in section 3 of the Investment Company Act (15 U.S.C. 80a-3)) that is an &#x201C;open-end
      company&#x201D; (as that term is defined in section 5 of the Investment Company Act (15 U.S.C. 80a-5)) that
      is registered or is required to register with the Commission under section 8 of the Investment Company Act
      (15 U.S.C. 80a-8). (hh) Option on a commodity. Any agreement, contract, or transaction described in section
      1a(26) of the CEA, 7 U.S.C. 1a(26). (ii) Originator. The sender of the first payment order in a funds transfer.
      (jj) Originator''s bank. The receiving bank to which the payment order of the originator is issued if the
      originator is not a bank or foreign bank, or the originator if the originator is a bank or foreign bank. (kk)
      Payment date. The day on which the amount of the transmittal order is payable to the recipient by the recipient''s
      financial institution. The payment date may be determined by instruction of the sender, but cannot be earlier
      than the day the order is received by the recipient''s financial institution and, unless otherwise prescribed
      by instruction, is the date the order is received by the recipient''s financial institution. (ll) Payment
      order. An instruction of a sender to a receiving bank, transmitted orally, electronically, or in writing,
      to pay, or to cause another bank or foreign bank to pay, a fixed or determinable amount of money to a beneficiary
      if: (1) The instruction does not state a condition to payment to the beneficiary other than time of payment;
      (2) The receiving bank is to be reimbursed by debiting an account of, or otherwise receiving payment from,
      the sender; and (3) The instruction is transmitted by the sender directly to the receiving bank or to an agent,
      funds transfer system, or communication system for transmittal to the receiving bank. (mm) Person. An individual,
      a corporation, a partnership, a trust or estate, a joint stock company, an association, a syndicate, joint
      venture, or other unincorporated organization or group, an Indian Tribe (as that term is defined in the Indian
      Gaming Regulatory Act), and all entities cognizable as legal personalities. (nn) Receiving bank. The bank
      or foreign bank to which the sender''s instruction is addressed. (oo) Receiving financial institution. The
      financial institution or foreign financial agency to which the sender''s instruction is addressed. The term
      receiving financial institution includes a receiving bank. (pp) Recipient. The person to be paid by the recipient''s
      financial institution. The term recipient includes a beneficiary, except where the recipient''s financial
      institution is a financial institution other than a bank. (qq) Recipient''s financial institution. The financial
      institution or foreign financial agency identified in a transmittal order in which an account of the recipient
      is to be credited pursuant to the transmittal order or which otherwise is to make payment to the recipient
      if the order does not provide for payment to an account. The term recipient''s financial institution includes
      a beneficiary''s bank, except where the beneficiary is a recipient''s financial institution. (rr) Secretary.
      The Secretary of the Treasury or any person duly authorized by the Secretary to perform the function mentioned.
      (ss) Security. Security means any instrument or interest described in section 3(a)(10) of the Securities Exchange
      Act of 1934, 15 U.S.C. 78c(a)(10). (tt) Self-regulatory organization: (1) Shall have the same meaning as provided
      in section 3(a)(26) of the Securities Exchange Act of 1934 (15 U.S.C. 78c(a)(26)); and (2) Means a &#x201C;registered
      entity&#x201D; or a &#x201C;registered futures association&#x201D; as provided in section 1a(29) or 17, respectively,
      of the Commodity Exchange Act (7 U.S.C. 1a(29), 21). (uu) Sender. The person giving the instruction to the
      receiving financial institution. (vv) State. The States of the United States and, wherever necessary to carry
      out the provisions of this chapter, the District of Columbia. (ww) Prepaid access. Access to funds or the
      value of funds that have been paid in advance and can be retrieved or transferred at some point in the future
      through an electronic device or vehicle, such as a card, code, electronic serial number, mobile identification
      number, or personal identification number. (xx) Structure (structuring). For purposes of &#xA7; 1010.314,
      a person structures a transaction if that person, acting alone, or in conjunction with, or on behalf of, other
      persons, conducts or attempts to conduct one or more transactions in currency, in any amount, at one or more
      financial institutions, on one or more days, in any manner, for the purpose of evading the reporting requirements
      under &#xA7;&#xA7; 1010.311, 1010.313, 1020.315, 1021.311 and 1021.313 of this chapter. &#x201C;In any manner&#x201D;
      includes, but is not limited to, the breaking down of a single sum of currency exceeding $10,000 into smaller
      sums, including sums at or below $10,000, or the conduct of a transaction, or series of currency transactions
      at or below $10,000. The transaction or transactions need not exceed the $10,000 reporting threshold at any
      single financial institution on any single day in order to constitute structuring within the meaning of this
      definition. (yy) Taxpayer Identification Number. Taxpayer Identification Number (&#x201C;TIN&#x201D;) is defined
      by section 6109 of the Internal Revenue Code of 1986 (26 U.S.C. 6109) and the Internal Revenue Service regulations
      implementing that section ( e.g., social security number or employer identification number). (zz) Territories
      and Insular Possessions. The Commonwealth of Puerto Rico, the United States Virgin Islands, Guam, the Commonwealth
      of the Northern Mariana Islands, and all other territories and possessions of the United States other than
      the Indian lands and the District of Columbia. (aaa) [Reserved] (bbb) Transaction. (1) Except as provided
      in paragraph (bbb)(2) of this section, transaction means a purchase, sale, loan, pledge, gift, transfer, delivery,
      or other disposition, and with respect to a financial institution includes a deposit, withdrawal, transfer
      between accounts, exchange of currency, loan, extension of credit, purchase or sale of any stock, bond, certificate
      of deposit, or other monetary instrument, security, contract of sale of a commodity for future delivery, option
      on any contract of sale of a commodity for future delivery, option on a commodity, purchase or redemption
      of any money order, payment or order for any money remittance or transfer, purchase or redemption of casino
      chips or tokens, or other gaming instruments or any other payment, transfer, or delivery by, through, or to
      a financial institution, by whatever means effected. (2) For purposes of &#xA7;&#xA7; 1010.311, 1010.313,
      1020.315, 1021.311, 1021.313, and other provisions of this chapter relating solely to the report required
      by those sections, the term &#x201C;transaction in currency&#x201D; shall mean a transaction involving the
      physical transfer of currency from one person to another. A transaction which is a transfer of funds by means
      of bank check, bank draft, wire transfer, or other written order, and which does not include the physical
      transfer of currency, is not a transaction in currency for this purpose. (ccc) Transaction account. Transaction
      accounts include those accounts described in 12 U.S.C. 461(b)(1)(C), money market accounts and similar accounts
      that take deposits and are subject to withdrawal by check or other negotiable order. (ddd) Transmittal of
      funds. A series of transactions beginning with the transmittor''s transmittal order, made for the purpose
      of making payment to the recipient of the order. The term includes any transmittal order issued by the transmittor''s
      financial institution or an intermediary financial institution intended to carry out the transmittor''s transmittal
      order. The term transmittal of funds includes a funds transfer. A transmittal of funds is completed by acceptance
      by the recipient''s financial institution of a transmittal order for the benefit of the recipient of the transmittor''s
      transmittal order. Electronic fund transfers as defined in section 903(7) of the Electronic Fund Transfer
      Act (15 U.S.C. 1693a(7)), as well as any other funds transfers that are made through an automated clearinghouse,
      an automated teller machine, or a point-of-sale system, are excluded from this definition. (eee) Transmittal
      order. The term transmittal order includes a payment order and is an instruction of a sender to a receiving
      financial institution, transmitted orally, electronically, or in writing, to pay, or cause another financial
      institution or foreign financial agency to pay, a fixed or determinable amount of money to a recipient if:
      (1) The instruction does not state a condition to payment to the recipient other than time of payment; (2)
      The receiving financial institution is to be reimbursed by debiting an account of, or otherwise receiving
      payment from, the sender; and (3) The instruction is transmitted by the sender directly to the receiving financial
      institution or to an agent or communication system for transmittal to the receiving financial institution.
      (fff) Transmittor. The sender of the first transmittal order in a transmittal of funds. The term transmittor
      includes an originator, except where the transmittor''s financial institution is a financial institution or
      foreign financial agency other than a bank or foreign bank. (ggg) Transmittor''s financial institution. The
      receiving financial institution to which the transmittal order of the transmittor is issued if the transmittor
      is not a financial institution or foreign financial agency, or the transmittor if the transmittor is a financial
      institution or foreign financial agency. The term transmittor''s financial institution includes an originator''s
      bank, except where the originator is a transmittor''s financial institution other than a bank or foreign bank.
      (hhh) United States. The States of the United States, the District of Columbia, the Indian lands (as that
      term is defined in the Indian Gaming Regulatory Act), and the Territories and Insular Possessions of the United
      States. (iii) U.S. person. (1) A United States citizen; or (2) A person other than an individual (such as
      a corporation, partnership or trust), that is established or organized under the laws of a State or the United
      States. Non-U.S. person means a person that is not a U.S. person. (jjj) U.S. Postal Service. The United States
      Postal Service, except with respect to the sale of postage or philatelic products. (kkk) Closed loop prepaid
      access. Prepaid access to funds or the value of funds that can be used only for goods or services in transactions
      involving a defined merchant or location (or set of locations), such as a specific retailer or retail chain,
      a college campus, or a subway system. (lll) Loan or finance company. A person engaged in activities that take
      place wholly or in substantial part within the United States in one or more of the capacities listed below,
      whether or not on a regular basis or as an organized business concern. This includes but is not limited to
      maintenance of any agent, agency, branch, or office within the United States. For the purposes of this paragraph
      (lll), the term &#x201C;loan or finance company&#x201D; shall include a sole proprietor acting as a loan or
      finance company, and shall not include: A bank, a person registered with and functionally regulated or examined
      by the Securities and Exchange Commission or the Commodity Futures Trading Commission, any government sponsored
      enterprise regulated by the Federal Housing Finance Agency, any Federal or state agency or authority administering
      mortgage or housing assistance, fraud prevention or foreclosure prevention programs, or an individual employed
      by a loan or finance company or financial institution under this part. A loan or finance company is not a
      financial institution as defined in the regulations in this part at 1010.100(t). (1) Residential mortgage
      lender or originator. A residential mortgage lender or originator includes:'
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1010.100 subsection (i) from snapshot 0a27edc17b8b277d;
      substring-verified.
  judgment: false
- id: bsa-31cfr-1010.100-i
  canonical_id: bsa-31cfr-1010.100-i
  section: 31 CFR §1010.100(i)
  description: 'General definitions — (i): (i) Residential mortgage lender. The person to whom the debt arising
    from a residential mortgage loan is initially payable on the face of the evidence of indebtedness or, if there
    is no such evidence of indebtedness, by agreement, or to whom the obligation is initially assigned at or immediately
    aft…'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 31 CFR Part 1010 — BSA General Provisions (FinCEN) § 1010.100
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010
    snapshot_id: 0a27edc17b8b277d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:df40a10825d946456aef7bd04aa63dee60393dda8d124fc93d335066b2b81e36
    paragraph_quote: '(i) Residential mortgage lender. The person to whom the debt arising from a residential mortgage
      loan is initially payable on the face of the evidence of indebtedness or, if there is no such evidence of
      indebtedness, by agreement, or to whom the obligation is initially assigned at or immediately after settlement.
      The term &#x201C;residential mortgage lender&#x201D; shall not include an individual who finances the sale
      of the individual''s own dwelling or real property. (ii) Residential mortgage originator. A person who accepts
      a residential mortgage loan application or offers or negotiates terms of a residential mortgage loan. (iii)
      Residential mortgage loan. A loan that is secured by a mortgage, deed of trust, or other equivalent consensual
      security interest on: (A) A residential structure that contains one to four units, including, if used as a
      residence, an individual condominium unit, cooperative unit, mobile home or trailer; or (B) Residential real
      estate upon which such a structure is constructed or intended to be constructed. (2) [Reserved] (mmm) Housing
      government sponsored enterprise. (1) A &#x201C;housing government sponsored enterprise&#x201D; is one of the
      following &#x201C;Regulated Entities&#x201D; under 12 U.S.C. 4502(20) subject to the general supervision and
      regulation of the Federal Housing Finance Agency (FHFA):'
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1010.100 subsection (i) from snapshot 0a27edc17b8b277d;
      substring-verified.
  judgment: false
- id: bsa-31cfr-1010.100-i
  canonical_id: bsa-31cfr-1010.100-i
  section: 31 CFR §1010.100(i)
  description: 'General definitions — (i): (i) The Federal National Mortgage Association; (ii) The Federal Home
    Loan Mortgage Corporation; or (iii) Each Federal Home Loan Bank. (2) The term &#x201C;housing government sponsored
    enterprise&#x201D; does not include any &#x201C;Entity-Affiliated Party,&#x201D; as defined in 12 U.S.C. 4502(11).
    […'
  type: definition
  tags:
  - regulator-direct
  - gap-fill
  - section-complete
  primary_source:
    tier: 1
    authority: 31 CFR Part 1010 — BSA General Provisions (FinCEN) § 1010.100
    source_class: ecfr-xml
    source_url: https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010
    snapshot_id: 0a27edc17b8b277d
    fetched_at: '2026-06-18T00:00:00+00:00'
    content_hash: sha256:df40a10825d946456aef7bd04aa63dee60393dda8d124fc93d335066b2b81e36
    paragraph_quote: (i) The Federal National Mortgage Association; (ii) The Federal Home Loan Mortgage Corporation;
      or (iii) Each Federal Home Loan Bank. (2) The term &#x201C;housing government sponsored enterprise&#x201D;
      does not include any &#x201C;Entity-Affiliated Party,&#x201D; as defined in 12 U.S.C. 4502(11). [75 FR 65812,
      Oct. 26, 2010, as amended at 76 FR 43596, July 21, 2011; 76 FR 45419, July 29, 2011; 77 FR 8157, Feb. 14,
      2012; 78 FR 72817, Dec. 4, 2013; 79 FR 10375, Feb. 25, 2014]
    drafter_attestation: Verbatim (whitespace-normalized) slice of §1010.100 subsection (i) from snapshot 0a27edc17b8b277d;
      substring-verified.
  judgment: false
