Federal Register · Geographic Targeting Order FR Doc. 2026-18194 · Published

FinCEN Geographic Targeting Order on Southwest Border Money Services Businesses: Currency Reporting of $1,000–$10,000

Money services businesses located in specified Texas and New Mexico zip codes must report currency transactions of $1,000 to $10,000 on a Currency Transaction Report, verify customer identity, and keep records for five years. The order runs from September 3, 2026 to March 1, 2027, with an October 3, 2026 compliance date for businesses not covered by the March 10, 2026 order.

InformationalEffective Sep 3, 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 specified southwest border zip codes in Texas and New Mexico; it does not address residential mortgage loans.

Effective
Sep 3, 2026
Applicability confidence
Verified: every row above is supported by the source text

What to do

AWACS interpretation · not source language

What to review: The record lists no mandatory changes for lenders; it applies to money services businesses in specified Texas and New Mexico zip codes and does not address residential mortgage loans, so a lender only needs to confirm it is not such a 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