Nothing happens per se. These rules are designed to prosecute people who knowingly or willingly structure their deposits to avoid filling out the form. It’s a really easy crime for prosecutors to bring and doesn’t require the funds to be from a nefarious source. The crime is the manner in which the funds were deposited.
Example: Ms. X deposits an average of $20k a day in four transactions. Unless she’s spreading it for legitimate purpose (business, savings, personal) it’s likely she’s structuring to avoid scrutiny.
From a legal stand point look at this way: 99 percent of people deposit their money in one shot. If you’re the 1 percent making erratic deposits and the value exceed 10k or more over a period of time it’s easy for a jury to infer sceniter or the specific intent required by the crime.
https://www.brownsvilleherald.com/news/valley/woman-guilty-of-structuring-bank-deposits/article_190aff5a-7013-11e9-b82a-af1a28aa850d.html?mode=jqm
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