Structuring is the act of parceling what would otherwise be a large financial transaction into a series of smaller transactions to avoid scrutiny by regulators and law enforcement. [1]

Jul 15, 2005 · Structuring is the breaking up of transactions for the purpose of evading the Bank Secrecy Act reporting and recordkeeping requirements and, if appropriate thresholds are met, …

May 26, 2023 · Among these techniques, two common practices stand out: smurfing and structuring. What is structuring? Structuring occurs when someone intentionally splits large …

The transactions need not exceed the $10,000 CTR filing threshold at any one bank on any single day in order to constitute structuring. Money launderers and criminals have developed many …

While smurfing and structuring share many similar characteristics and are often used interchangeably, they are not identical—the main difference between smurfing and structuring …

Structuring, also known as smurfing, is a financial technique that involves making a series of small deposits to a bank to avoid triggering automatic financial reporting requirements.

Jun 4, 2024 · Structuring, on the other hand, is typically done to avoid detection or circumvent reporting obligations. It consists in splitting a large sum into smaller deposits to minimize …

May 14, 2025 · Structuring, often referred to as “smurfing”, is a technique employed in money laundering and financial fraud. It involves breaking down large amounts of illegal funds into …

Oct 31, 2025 · Structuring, a prevalent money laundering technique, is the practice of splitting large sums of illegal funds into smaller transactions to fly under the radar of financial …

Aug 9, 2022 · "Structuring" means breaking transactions larger than $10,000 into smaller increments by making multiple deposits or withdrawals or by buying cashiers' checks, money …