source:
  type: regulation
  id: bsa-31cfr-1010.430
  authority: 31 CFR §1010.430 — Nature of records and retention period (BSA / FinCEN)
  description: '31 CFR §1010.430 sets the BSA Subpart D records-retention rule: when

    a copy of an instrument (check, draft, monetary instrument,

    investment security, or other similar instrument) must be retained,

    both front and back must be retained (with a carve-out for blank or

    standard-printed-information backs); records may be those made in

    the ordinary course of business, but where no ordinary-course

    record exists, one must be created in writing; the IRS TIN rules

    govern taxpayer identification; and ALL records required by 31 CFR

    chapter X must be retained for 5 years, filed or stored so as to be

    accessible within a reasonable period of time.

    '
obligations:
- id: bsa-31cfr-1010.430-a
  canonical_id: bsa-31cfr-1010.430-a
  section: 31 CFR §1010.430(a)
  description: '(a): (a) Wherever it is required that there be retained either the original or a copy
    or reproduction of a check, draft, monetary instrument, investment security, or other similar instrument,
    there shall be retained a copy of both front and back of each such instrument or document, except
    that no copy ne…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 31 CFR §1010.430(a)
    source_class: fincen
    source_url: https://www.law.cornell.edu/cfr/text/31/1010.430
    snapshot_id: b91507f03d9991f4
    fetched_at: '2026-05-24T19:34:41Z'
    content_hash: sha256:2a7f09851c4c166b0da73131089b53e1eb3e238e0d8085ecf9d0866963e35ab0
    paragraph_quote: (a) Wherever it is required that there be retained either the original or a copy
      or reproduction of a check, draft, monetary instrument, investment security, or other similar instrument,
      there shall be retained a copy of both front and back of each such instrument or document, except
      that no copy need be retained of the back of any instrument or document which is entirely blank
      or which contains only standardized printed information, a copy of which is on file.
    drafter_attestation: Verbatim subsection of 31 CFR §1010.430 from Cornell LII snapshot b91507f03d9991f4;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: bsa-31cfr-1010.430-b
  canonical_id: bsa-31cfr-1010.430-b
  section: 31 CFR §1010.430(b)
  description: '(b): (b) Records required by this chapter to be retained by financial institutions may
    be those made in the ordinary course of business by a financial institution. If no record is made
    in the ordinary course of business of any transaction with respect to which records are required to
    be retained by this …'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 31 CFR §1010.430(a)
    source_class: fincen
    source_url: https://www.law.cornell.edu/cfr/text/31/1010.430
    snapshot_id: b91507f03d9991f4
    fetched_at: '2026-05-24T19:34:41Z'
    content_hash: sha256:2a7f09851c4c166b0da73131089b53e1eb3e238e0d8085ecf9d0866963e35ab0
    paragraph_quote: (b) Records required by this chapter to be retained by financial institutions may
      be those made in the ordinary course of business by a financial institution. If no record is made
      in the ordinary course of business of any transaction with respect to which records are required
      to be retained by this chapter, then such a record shall be prepared in writing by the financial
      institution.
    drafter_attestation: Verbatim subsection of 31 CFR §1010.430 from Cornell LII snapshot b91507f03d9991f4;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: bsa-31cfr-1010.430-c
  canonical_id: bsa-31cfr-1010.430-c
  section: 31 CFR §1010.430(c)
  description: '(c): (c) The rules and regulations issued by the Internal Revenue Service under 26 U.S.C.
    6109 determine what constitutes a taxpayer identification number and whose number shall be obtained
    in the case of an account maintained by one or more persons.'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 31 CFR §1010.430(a)
    source_class: fincen
    source_url: https://www.law.cornell.edu/cfr/text/31/1010.430
    snapshot_id: b91507f03d9991f4
    fetched_at: '2026-05-24T19:34:41Z'
    content_hash: sha256:2a7f09851c4c166b0da73131089b53e1eb3e238e0d8085ecf9d0866963e35ab0
    paragraph_quote: (c) The rules and regulations issued by the Internal Revenue Service under 26 U.S.C.
      6109 determine what constitutes a taxpayer identification number and whose number shall be obtained
      in the case of an account maintained by one or more persons.
    drafter_attestation: Verbatim subsection of 31 CFR §1010.430 from Cornell LII snapshot b91507f03d9991f4;
      body isolated between nav and notes; substring-verified.
  judgment: false
- id: bsa-31cfr-1010.430-d
  canonical_id: bsa-31cfr-1010.430-d
  section: 31 CFR §1010.430(d)
  description: '(d): (d) All records that are required to be retained by this chapter shall be retained
    for a period of five years. Records or reports required to be kept pursuant to an order issued under
    § 1010.370 of this chapter shall be retained for the period of time specified in such order, not to
    exceed five year…'
  type: do
  tags:
  - regulator-direct
  - section-complete
  - cfpb-regulation
  primary_source:
    tier: 1
    authority: 31 CFR §1010.430(a)
    source_class: fincen
    source_url: https://www.law.cornell.edu/cfr/text/31/1010.430
    snapshot_id: b91507f03d9991f4
    fetched_at: '2026-05-24T19:34:41Z'
    content_hash: sha256:2a7f09851c4c166b0da73131089b53e1eb3e238e0d8085ecf9d0866963e35ab0
    paragraph_quote: (d) All records that are required to be retained by this chapter shall be retained
      for a period of five years. Records or reports required to be kept pursuant to an order issued under
      § 1010.370 of this chapter shall be retained for the period of time specified in such order, not
      to exceed five years. All such records shall be filed or stored in such a way as to be accessible
      within a reasonable period of time, taking into consideration the nature of the record, and the
      amount of time expired since the record was made. [ 75 FR 65812 , Oct. 26, 2010, as amended at 81
      FR 76864 , Nov. 4, 2016] CFR Toolbox Law about... Articles from Wex Table of Popular Names Parallel
      Table of Authorities Accessibility About LII Contact us Advertise here Help Terms of use Privacy
    drafter_attestation: Verbatim subsection of 31 CFR §1010.430 from Cornell LII snapshot b91507f03d9991f4;
      body isolated between nav and notes; substring-verified.
  judgment: false
