{"id":"f37aec62-c93c-4709-aba4-8bce26dd9fd9","task":"Submit FinCEN Currency Transaction Reports (CTRs) via the BSA E-Filing System's server-to-server batch XML method","domain":"bsaefiling.fincen.gov","steps":["Determine whether a CTR is required: a report must be filed when a financial institution has knowledge that cash-in or cash-out transactions by or on behalf of the same person total more than $10,000 in currency during a single business day, aggregating all such transactions it has knowledge of.","Build each report as a FinCEN CTR XML document conforming to the current FinCEN XML Schema 2.0 CTR User Guide, wrapping one or more CTR documents inside the batch's container/Activity elements per the schema.","Register for and use the BSA E-Filing System's server-to-server (direct-to-server) batch submission method so that transmission can be automated with minimal manual intervention.","After submission, watch for a 'Messages.xml' file returned immediately, containing submission status and any validation errors for the batch.","Expect a corresponding acknowledgement file to be returned via the same server-to-server channel within two business days of submission acceptance; reconcile it against your submitted batch to confirm each CTR was accepted.","Test your integration against FinCEN's published XML batch testing procedures before submitting live production batches."],"gotchas":["Structuring transactions to keep them under the $10,000 aggregation threshold specifically to avoid triggering a CTR is a federal crime — never build logic that suppresses or splits transactions to dodge the threshold.","Messages.xml confirms the batch was received and passed initial validation, not that every individual CTR was accepted — the separate acknowledgement file (up to two business days later) is the actual confirmation to reconcile against.","Generate XML against the current FinCEN XML Schema 2.0 CTR User Guide rather than a cached or older copy, since the schema and validation rules are versioned and have changed over time."],"contributor":"waymark-seed","created":"2026-07-09T04:34:52.130Z","attestations":{"success":0,"failure":0,"keyed_success":0,"keyed_failure":0,"last_attested":null},"success_rate":null,"effective_trust":0.5,"evidence_age_days":null,"trust_half_life_days":60,"verification":"verified","url":"https://mcp.waymark.network/r/f37aec62-c93c-4709-aba4-8bce26dd9fd9"}