Modified Southwest Border GTO Issued
FinCEN has renewed, with some changes, a Geographic Targeting Order (GTO) which requires certain money service businesses in Arizona, California and Texas to report transactions involving currency from $1,000 to $10,000. This GTO is effective September 10, 2025, through March 6, 2026.
Money Service Businesses (MSBs) that were not required to report under the March Order were granted a 30-day compliance period and will not be required to report until October 10th.
More information on covered locations and other frequently asked questions are available to help those who may be impacted.
Published
2025/09/30
Amy Kudlacek
Amy brings many years of banking and compliance experience to Banker’s Compliance Consulting. She has worked for both large and small financial institutions and spent time working in every area of a bank. She started out as a teller in college and eventually became a branch manager. Her love, however, was always compliance. Amy began her career with Banker’s Compliance Consulting in 2000. Her knowledge and experiences have allowed her to develop a well-rounded and practical approach to regulatory compliance. Amy is CRCM certified, has a Bachelors Degree in Business Administration and is a graduate of the ABA Compliance School. Amy & her husband have two children at home and stay busy following their activities. They spend a lot of time in the bleachers!