Federal Register · Geographic Targeting Order FR Doc. 2025-17371 · Published

FinCEN Geographic Targeting Order on Southwest Border Money Services Businesses ($1,000 Currency Reporting)

FinCEN issued a Geographic Targeting Order requiring covered money services businesses in specified southwest border counties and ZIP codes to report currency transactions of $1,000 to $10,000, verify customer identity, and keep records for five years. It follows the March 14, 2025 order, which used a $200 threshold, and it does not address residential mortgage lending or servicing.

InformationalEffective Sep 10, 2025All checks passedRead the order ↗ (opens in a new tab)

Loan impact

From the order text · verified

Applies to: The order applies to money services businesses in listed southwest border counties and ZIP codes, not to residential mortgage loans.

Effective
Sep 10, 2025
Applicability confidence
Verified: every row above is supported by the source text

What to do

AWACS interpretation · not source language

What to review: No change in this record is mandatory for lenders: it is an informational order aimed at money services businesses in listed southwest border counties and ZIP codes, and it does not apply to residential mortgage lending or servicing, so a lender only needs to note that it exists.

Source and record

Version 1 · archived

Checks passed

  • Schema valid
  • Effective quotes verbatim
  • Document ID appears in the source
  • Doc id matches catalog
  • Mandatory status is backed by requirement language
  • Mandatory entries have requirement language
  • Published on present
  • Title summary length
  • Controlled vocabulary
  • No placeholder tokens
  • Source link resolves
  • Loan impact quotes verbatim
  • Loan impact vocabulary
  • Changes quoted
  • Impact type consistent
  • Every required change is backed by obligation language
  • Only new or tightened changes are marked required
  • Loan impact covers every required change
  • Quotes are complete sentences
  • Unflagged must
  • Diff complete
  • Mandatory date resolved
  • Audience verbatim
  • Scope residential
  • Out of scope
  • Published in window
  • Interpretation schema valid
  • Interpretation separate