31 CFR §1010.313 — Aggregation

Name: 31 CFR §1010.313 — Aggregation — machine-readable register
Creator: Claude for Compliance
License: https://creativecommons.org/licenses/by-nd/4.0/

bsa-31cfr-1010-313

BSA Currency Transaction Report aggregation rule: a financial institution's branches count as one institution and multiple currency transactions by or for one person totaling more than $10,000 in a business day are one transaction (31 CFR §1010.313).

This register: .xlsx .csv

source:
  type: regulation
  id: bsa-31cfr-1010.313
  authority: 31 CFR §1010.313 — Aggregation
  description: 'BSA Currency Transaction Report aggregation rule: a financial institution''s branches count as one institution and multiple currency transactions by or for one person totaling more than $10,000 in a business day are one transaction (31 CFR §1010.313).'
obligations:
  - id: bsa-31cfr-1010.313-a
    canonical_id: bsa-31cfr-1010.313-a
    section: 31 CFR §1010.313(a)
    description: '(a): (a) Multiple branches. A financial institution includes all of its domestic branch offices, and any recordkeeping facility, wherever located, that contains records relating to the transactions of the institution''s domestic offices, for purposes of the transactions in currency reporting requirements…'
    type: do
    audit_question: ''
    program_review: ''
    file_review: ''
    judgment: false
    feeds: []
    workflow_phase: ''
    owner_role: ''
    secondary_owner_role: ''
    cadence: ''
    consequence: ''
    tags:
      - regulator-direct
      - section-complete
      - fincen-regulation
    primary_source:
      tier: 1
      authority: 31 CFR §1010.313(a)
      source_class: fincen
      source_url: https://www.ecfr.gov/current/title-31/section-1010.313
      snapshot_id: 350d47335827465e
      fetched_at: '2026-09-28T15:01:41Z'
      content_hash: sha256:46aee45780f5c69d4f4215fe218f972c27c2be6df1bff57cae3a7ca53b77eabf
      paragraph_quote: (a) Multiple branches. A financial institution includes all of its domestic branch offices, and any recordkeeping facility, wherever located, that contains records relating to the transactions of the institution's domestic offices, for purposes of the transactions in currency reporting requirements in this chapter.
      drafter_attestation: 'Verbatim 31 CFR §1010.313(a) from eCFR snapshot 350d47335827465e (versioner full-XML API, title 31 as of 2026-09-24); the regulator''s paragraph breaks are joined with single spaces; substring-verified. Re-segmented 2026-09-26 on the eCFR paragraph hierarchy (scripts/resegment-cfr.py): the prior capture (snapshot n/a) held the same words but cut this section at every (i)/(v)/(x) and cited sub-items as top-level paragraphs.'
      publisher: ecfr.gov
      verified_against: ecfr.gov
      verified_on: '2026-09-26'
  - id: bsa-31cfr-1010.313-b
    canonical_id: bsa-31cfr-1010.313-b
    section: 31 CFR §1010.313(b)
    description: '(b): (b) Multiple transactions. In the case of financial institutions other than casinos, for purposes of the transactions in currency reporting requirements in this chapter, multiple currency transactions shall be treated as a single transaction if the financial institution has knowledge that they are b…'
    type: do
    audit_question: ''
    program_review: ''
    file_review: ''
    judgment: false
    feeds: []
    workflow_phase: ''
    owner_role: ''
    secondary_owner_role: ''
    cadence: ''
    consequence: ''
    tags:
      - regulator-direct
      - section-complete
      - fincen-regulation
    primary_source:
      tier: 1
      authority: 31 CFR §1010.313(b)
      source_class: fincen
      source_url: https://www.ecfr.gov/current/title-31/section-1010.313
      snapshot_id: 350d47335827465e
      fetched_at: '2026-09-28T15:01:41Z'
      content_hash: sha256:46aee45780f5c69d4f4215fe218f972c27c2be6df1bff57cae3a7ca53b77eabf
      paragraph_quote: (b) Multiple transactions. In the case of financial institutions other than casinos, for purposes of the transactions in currency reporting requirements in this chapter, multiple currency transactions shall be treated as a single transaction if the financial institution has knowledge that they are by or on behalf of any person and result in either cash in or cash out totaling more than $10,000 during any one business day (or in the case of the U.S. Postal Service, any one day). Deposits made at night or over a weekend or holiday shall be treated as if received on the next business day following the deposit.
      drafter_attestation: 'Verbatim 31 CFR §1010.313(b) from eCFR snapshot 350d47335827465e (versioner full-XML API, title 31 as of 2026-09-24); the regulator''s paragraph breaks are joined with single spaces; substring-verified. Re-segmented 2026-09-26 on the eCFR paragraph hierarchy (scripts/resegment-cfr.py): the prior capture (snapshot n/a) held the same words but cut this section at every (i)/(v)/(x) and cited sub-items as top-level paragraphs.'
      publisher: ecfr.gov
      verified_against: ecfr.gov
      verified_on: '2026-09-26'

Verbatim regulatory text (2)

Verbatim provisions from 31 CFR §1010.313 — Aggregation — each quote is a verified substring of the regulator-published source snapshot, not retyped. Quoted for reference; this is not legal advice. The operational layer (P&P updates, prompts) lives in the regulation update kits.

31 CFR §1010.313(a)

(a) Multiple branches. A financial institution includes all of its domestic branch offices, and any recordkeeping facility, wherever located, that contains records relating to the transactions of the institution's domestic offices, for purposes of the transactions in currency reporting requirements in this chapter.

Source: 31 CFR §1010.313(a) · source URL · snapshot 350d47335827465e

31 CFR §1010.313(b)

(b) Multiple transactions. In the case of financial institutions other than casinos, for purposes of the transactions in currency reporting requirements in this chapter, multiple currency transactions shall be treated as a single transaction if the financial institution has knowledge that they are by or on behalf of any person and result in either cash in or cash out totaling more than $10,000 during any one business day (or in the case of the U.S. Postal Service, any one day). Deposits made at night or over a weekend or holiday shall be treated as if received on the next business day following the deposit.

Source: 31 CFR §1010.313(b) · source URL · snapshot 350d47335827465e

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Source of record: https://claudeforcompliance.com/regs/bsa-31cfr-1010-313/ · register bsa-31cfr-1010-313 · verbatim, source-snapshotted regulator text from the Claude for Compliance corpus. To work from every register at once, download the corpus and follow the methodology.