Structuring is the practice of executing financial transactions in such a way that the filing of financial reports to the government is avoided. This usually involves keeping individual bank deposits lower than $10,000. Once the $10,000 threshold is reached, banks are required by the Bank Secrecy Act to file a Currency Transaction Report with the government. To avoid the threshold, someone trying to deposit a large amount of money can break it up into many small deposits, which can be deposited into accounts at several banks. Structuring is commonly used by money launderers to avoid detection.

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