Completing CTRs: Part IV Filing Institution Contact Information
When filling out a Currency Transaction Report (CTR), you would think that completing your institution’s contact information would be pretty straightforward. But we still see errors in this section from time to time. Item 44 “Legal name of filing institution” is one field that can and does trip people up. FinCEN wants the actual legal name of your financial institution. A good place to look for this is your Articles of Incorporation. For instance, if your institution is registered as Community Bank Shares, Inc. but your public name/doing business as name is First Community Bank, you would put “Community Bank Shares, Inc.” in Item 44. Item 45 “Alternate name, e.g., trade name, DBA” is where you would put “First Community Bank”. Sometimes the person filling out the CTR gets these two confused or doesn’t realize the institution even has a different legal name.
Kevin explains more in the video.
Published
2025/07/07

Kevin Edwards
Kevin brings years of experience and a unique perspective on regulatory matters to our clients. A self-proclaimed geek and accredited CRCM, Kevin is also a recovering attorney with experience as in-house counsel for a large regional bank and one of the leading national title insurance providers. For reasons unknown, Kevin decided to leave the safety and serenity of his desk job to seek fortune and glory as a wandering adventurer. Like a bank compliance version of Kwai Chang Caine, The Man with No Name or Don Quixote, he now travels the land seeking to help those in need and righting compliance wrongs, wherever he may find them. Kevin lives in Sioux Falls with his two children, who are surprisingly normal after having endured their father’s vivid imagination for their entire lives. He won’t admit to having any hobbies, because apparently “Regulations never sleep.” (While he does say this in his Batman voice, we’re pretty sure he’s joking.) From the looks of his Facebook page, he likes the outdoors and spending time with his large extended family (who seem like relatively normal people).