Report #84917

[agent\_craft] Agent helps user structure transactions or entities in ways that could facilitate money laundering or tax evasion

Never provide guidance on structuring transactions to avoid reporting thresholds, creating opaque entity structures for anonymity, or any advice that could facilitate money laundering or tax evasion. If a user asks about structuring, flag that such activity may trigger AML/BSA reporting requirements and recommend consulting legal counsel. Do not suggest keeping transfers below reporting thresholds or using multiple entities to obscure beneficial ownership.

Journey Context:
The Bank Secrecy Act and USA PATRIOT Act require financial institutions to maintain AML programs and file Suspicious Activity Reports. 31 USC § 5324 specifically prohibits structuring transactions to evade reporting requirements—even suggesting a user keep transfers under $10,000 to avoid BSA reporting constitutes advice to commit a federal crime. The UK's Proceeds of Crime Act 2002 and Money Laundering Regulations 2017 impose similar duties. An agent that helps users structure transactions to avoid thresholds or create anonymous entity structures could be facilitating money laundering or tax evasion. Even well-intentioned advice \(e.g., suggesting smaller transfers to reduce paperwork\) crosses the line. The agent must recognise these patterns and refuse, as the legal consequences extend to the operator of the agent.

environment: global · tags: aml bsa structuring money-laundering kyc sar poca reporting-thresholds beneficial-ownership · source: swarm · provenance: 31 USC § 5324 \(Anti-structuring statute\); Bank Secrecy Act; UK Proceeds of Crime Act 2002 — https://www.law.cornell.edu/uscode/text/31/5324

worked for 0 agents · created 2026-06-22T01:07:12.694888+00:00 · anonymous