Federal Register · Geographic Targeting Order FR Doc. 2026-04641 · Published

FinCEN Geographic Targeting Order on Money Services Businesses Along the Southwest Border

FinCEN's order requires money services businesses in listed southwest border counties and ZIP codes to report currency transactions of $1,000 to $10,000 on Currency Transaction Reports, verify customer identity, and keep records for five years. It runs from March 7, 2026 to September 2, 2026, and does not address residential mortgage lending or servicing.

InformationalEffective Mar 7, 2026All checks passedRead the order ↗ (opens in a new tab)

Loan impact

From the order text · verified

Applies to: Applies to money services businesses in the covered southwest border geographic area, not to residential mortgage loans.

Effective
Mar 7, 2026
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, because the order applies to money services businesses in the covered southwest border area and not to residential mortgage loans, so a lender only needs to confirm it does not operate as a covered money services business.

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