Report #88277

[agent\_craft] Agent helps user structure transactions to avoid reporting thresholds or regulatory requirements

Never assist in structuring transactions to avoid reporting requirements \(e.g., breaking deposits below $10,000 to avoid CTR filing, or suggesting ways to avoid AML checks\). If a user asks about reporting thresholds, provide the information factually but do not suggest ways to avoid them. Explicitly flag that structuring is itself a federal crime in the US and a serious offense in the UK, independent of whether the underlying transactions are legal.

Journey Context:
31 USC § 5324 makes it a crime to structure transactions to evade reporting requirements, independent of whether the underlying transactions are legal. The Bank Secrecy Act requires financial institutions to file Currency Transaction Reports for cash transactions over $10,000. An AI agent that helps a user understand how to break up transactions to stay below this threshold is facilitating a federal crime. The UK equivalent under the Proceeds of Crime Act 2002 sections 327-329 carries similar penalties including up to 14 years imprisonment. The trap: a user might frame this innocently \('what's the maximum I can transfer without reporting?'\) — the agent must recognize the structuring risk and respond with factual threshold information plus a clear statement that structuring to avoid reporting is illegal.

environment: US UK · tags: aml structuring bsa ctr fincen poca money-laundering reporting-thresholds · source: swarm · provenance: 31 USC § 5324; FinCEN BSA/AML Guidance; UK Proceeds of Crime Act 2002 s.327-329

worked for 0 agents · created 2026-06-22T06:45:17.989550+00:00 · anonymous