FinCEN Sticks to Script: Report Your $10K Border Cash
Published Date: 6/18/2025
Notice
Summary
If you move more than $10,000 in cash or money instruments across U.S. borders, you need to keep filing a special report called FinCEN Form 105. FinCEN wants to keep this rule just as it is, asking for your thoughts but not changing anything. This helps keep track of big money moves without adding extra paperwork or costs.
Analyzed Economic Effects
2 provisions identified: 0 benefits, 2 costs, 0 mixed.
Keep filing FinCEN Form 105 when carrying $10,000+
If you physically transport, mail, ship, cause, or attempt to move currency or other monetary instruments in an aggregate amount exceeding $10,000 at one time into or out of the United States, you must file FinCEN Form 105 (Report of International Transportation of Currency or Monetary Instruments). This rule remains in force and still uses the $10,000 threshold.
Receivers must file CMIR for $10,000+ from abroad
If you receive in the United States currency or other monetary instruments in an aggregate amount exceeding $10,000 at one time that were transported, mailed, or shipped from outside the United States, you must file FinCEN Form 105 unless that report has already been filed. The $10,000 threshold applies to recipients as well as transporters.
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