Summary

Raises the federal currency-transaction reporting threshold from $10,000 to $30,000 and increases certain suspicious-activity reporting (SAR) thresholds, requires Treasury to index those thresholds for inflation every five years, and directs a Treasury review of reporting forms, aggregation, prioritization, and automation with a report to congressional committees. It also preserves Treasury’s authority to issue geographic targeting orders and to lower thresholds when lawful. Agencies must adopt the new thresholds and issue regulations within set deadlines (mostly 180–360 days), and subsequent CPI-U adjustments must be rounded to the nearest $1,000 and take effect on the first January 1 after publication.

• Currency-transaction report thresholds are raised from $10,000 to $30,000 and will be indexed for inflation every five years using CPI-U.
• Certain suspicious-activity report thresholds are increased (e.g., $2,000 → $3,000; $5,000 → $10,000) and agencies must update their regulations within 180 days.
• Treasury must review CTR/SAR forms, aggregation, prioritization, and automation and submit a report with recommendations to congressional committees within 360 days.
• Indexing adjustments are rounded to the nearest $1,000 and take effect on the first January 1 after publication.
• The bill preserves Treasury’s authority to issue geographic targeting orders and does not prevent lowering thresholds when lawful.
• Changes will likely reduce the volume of CTRs and some SARs submitted by financial institutions, altering data flow to law enforcement and AML systems.
• Regulatory changes and reviews are time‑limited (180–360 days) and focus both on threshold increases and modernization of reporting processes.