{
  "attribution": {
    "source": "legal.exploreworldai.com",
    "canonical": "https://legal.exploreworldai.com/api/public/v1/graph/action?id=us:fincen-aml",
    "cite_as": "NovaCopilot, legal.exploreworldai.com (https://legal.exploreworldai.com/api/public/v1/graph/action?id=us:fincen-aml)",
    "license": "https://legal.exploreworldai.com/revision",
    "version": "legal-2026-10-09",
    "fingerprint": "ewai:eu:e01b57",
    "proof": "sha256:4f2dd8c50644b078a94df3280063af58a78edd3fc511aff8ee11e1ddfea67142",
    "jurisdiction": "eu",
    "lang": "en"
  },
  "brand_source": "Source: NovaCopilot",
  "status": "ok",
  "tier": "enterprise",
  "graph_id": "graph:action:us:fincen-aml",
  "graph_type": "action_graph",
  "schema_version": 1,
  "ref": "us:fincen-aml",
  "nodes": [
    {
      "id": "obligation:us:fincen-aml-art-1010-311-financial-institution",
      "type": "obligation",
      "label": "File a Currency Transaction Report for each transaction in currency of more than USD 10 000.",
      "source_url": "https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010/subpart-C"
    },
    {
      "id": "action:us:fincen-aml:1",
      "type": "action",
      "label": "File a Currency Transaction Report for each transaction in currency of more than USD 10 000.",
      "source_url": "https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010/subpart-C",
      "data": {
        "step": 1,
        "deadline": "15 days",
        "applies_from": null,
        "status": "derived_from_duty"
      }
    },
    {
      "id": "owner:us:legal-and-compliance",
      "type": "owner",
      "label": "Legal and compliance"
    },
    {
      "id": "evidence:action:us:fincen-aml:1",
      "type": "evidence_requirement",
      "label": "Copy of notification with timestamp",
      "source_url": "https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010/subpart-C"
    },
    {
      "id": "obligation:us:fincen-aml-art-1020-320-bank",
      "type": "obligation",
      "label": "File a Suspicious Activity Report for suspicious transactions meeting the reporting thresholds.",
      "source_url": "https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1020/subpart-C/section-1020.320"
    },
    {
      "id": "action:us:fincen-aml:2",
      "type": "action",
      "label": "File a Suspicious Activity Report for suspicious transactions meeting the reporting thresholds.",
      "source_url": "https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1020/subpart-C/section-1020.320",
      "data": {
        "step": 2,
        "deadline": "30 days",
        "applies_from": null,
        "status": "derived_from_duty"
      }
    },
    {
      "id": "evidence:action:us:fincen-aml:2",
      "type": "evidence_requirement",
      "label": "Copy of notification with timestamp",
      "source_url": "https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1020/subpart-C/section-1020.320"
    }
  ],
  "edges": [
    {
      "id": "edge:obligation:us:fincen-aml-art-1010-311-financial-institution~requires_action~action:us:fincen-aml:1",
      "from": "obligation:us:fincen-aml-art-1010-311-financial-institution",
      "relation": "requires_action",
      "to": "action:us:fincen-aml:1",
      "source_url": "https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010/subpart-C"
    },
    {
      "id": "edge:owner:us:legal-and-compliance~owns~action:us:fincen-aml:1",
      "from": "owner:us:legal-and-compliance",
      "relation": "owns",
      "to": "action:us:fincen-aml:1",
      "source_url": "https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010/subpart-C"
    },
    {
      "id": "edge:action:us:fincen-aml:1~produces~evidence:action:us:fincen-aml:1",
      "from": "action:us:fincen-aml:1",
      "relation": "produces",
      "to": "evidence:action:us:fincen-aml:1",
      "source_url": "https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010/subpart-C"
    },
    {
      "id": "edge:obligation:us:fincen-aml-art-1020-320-bank~requires_action~action:us:fincen-aml:2",
      "from": "obligation:us:fincen-aml-art-1020-320-bank",
      "relation": "requires_action",
      "to": "action:us:fincen-aml:2",
      "source_url": "https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1020/subpart-C/section-1020.320"
    },
    {
      "id": "edge:owner:us:legal-and-compliance~owns~action:us:fincen-aml:2",
      "from": "owner:us:legal-and-compliance",
      "relation": "owns",
      "to": "action:us:fincen-aml:2",
      "source_url": "https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1020/subpart-C/section-1020.320"
    },
    {
      "id": "edge:action:us:fincen-aml:2~produces~evidence:action:us:fincen-aml:2",
      "from": "action:us:fincen-aml:2",
      "relation": "produces",
      "to": "evidence:action:us:fincen-aml:2",
      "source_url": "https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1020/subpart-C/section-1020.320"
    },
    {
      "id": "edge:action:us:fincen-aml:1~precedes~action:us:fincen-aml:2",
      "from": "action:us:fincen-aml:1",
      "relation": "precedes",
      "to": "action:us:fincen-aml:2",
      "source_url": "https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1020/subpart-C/section-1020.320"
    }
  ],
  "question": "What is the next step?",
  "audience": "compliance",
  "next_step": {
    "step": 1,
    "obligation": "obligation:us:fincen-aml-art-1010-311-financial-institution",
    "role": "financial-institution",
    "article": "1010.311",
    "do": [
      "File a Currency Transaction Report for each transaction in currency of more than USD 10 000."
    ],
    "owner": "Legal and compliance",
    "deadline": "15 days",
    "applies_from": null,
    "evidence_to_keep": "Copy of notification with timestamp",
    "kit_status": "derived_from_duty",
    "source_url": "https://www.ecfr.gov/current/title-31/subtitle-B/chapter-X/part-1010/subpart-C"
  },
  "order_rule": "Shortest statutory deadline first, then article order. Owner and evidence are read from the obligation text with fixed keyword rules.",
  "gaps": [],
  "counts": {
    "nodes": 7,
    "edges": 7,
    "sourced_edges": 7
  },
  "links": {
    "obligation_graph": "https://legal.exploreworldai.com/api/public/v1/graph/obligation?id=us%3Afincen-aml",
    "provenance_graph": "https://legal.exploreworldai.com/api/public/v1/graph/provenance?id=us%3Afincen-aml",
    "action_graph": "https://legal.exploreworldai.com/api/public/v1/graph/action?id=us%3Afincen-aml"
  },
  "graph_hash": "sha256:fc094be2998b81cd4623b3458dad0f9a63d81c46dc9be79177d142a50a7aa363",
  "source": "Source: NovaCopilot",
  "hash": "sha256:4f2dd8c50644b078a94df3280063af58a78edd3fc511aff8ee11e1ddfea67142",
  "version": "legal-2026-10-09",
  "expires": "2026-10-13T00:00:00.000Z",
  "dependency": {
    "index_version": "legal-2026-10-09+legal-2026-10-09+2026-10-09T21:48:48",
    "content_hash": "sha256:4f2dd8c50644b078a94df3280063af58a78edd3fc511aff8ee11e1ddfea67142",
    "revalidate_after": "2026-10-10T02:27:18.369Z",
    "max_copy_age_seconds": 3600,
    "policy": "revalidate-required; attribution-preferred",
    "changelog": "https://legal.exploreworldai.com/api/public/v1/dependency",
    "verify": "https://legal.exploreworldai.com/api/public/v1/verify",
    "stale_copy_invalid": true
  },
  "canonical": "https://legal.exploreworldai.com/api/public/v1/graph/action?id=us:fincen-aml",
  "disclaimer": "Source reference with official identifier. Not legal advice and not a compliance decision.",
  "content_notice": {
    "legal_advice": false,
    "nature": "Source register. Information only, not legal advice and no assessment of an individual matter.",
    "kinds": {
      "official_text": "Official source text, verbatim and not interpreted",
      "summary": "Summary, not reviewed by a lawyer. Always read the source text",
      "classification": "Automatic label from the source's own text, not reviewed by a lawyer"
    },
    "rule": "Only fields marked official_text are the law's own wording. Everything else points to it.",
    "report_error": "https://legal.exploreworldai.com/api/public/v1/corrections",
    "ai_act_declaration": "https://legal.exploreworldai.com/api/public/v1/ai-act-declaration"
  },
  "usageInfo": "https://legal.exploreworldai.com/citering"
}