What is ‘Structuring’ when it comes to banks and finances?

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Google tells me it’s “the practice of executing financial transactions such as making bank deposits in a specific pattern, calculated to avoid triggering financial institutions to file reports required by law”

But what does that actually look like, what methods are used beyond just making perfectly timed bank deposits?

In: Economics

3 Answers

Anonymous 0 Comments

So there are reporting/documentation requirements for deposits over $10k to help fight terrorism/crime… structuring would be something like making multiple $9900 deposits to skirt around the reporting requirement. For example, former Speaker of the House Dennis Hastert was paying off some kid he’d molested and did so by making regular payments jut under the $10k threshold, hoping to avoid detection.

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