TITLE: United States Financial Crimes Enforcement Network Issues Geographic Targeting Order for Southwest Border Money Services Businesses BODY: On March 10, 2026, the Financial Crimes Enforcement Network (FinCEN), part of the U.S. Department of the Treasury, issued a Geographic Targeting Order (GTO) requiring money services businesses in specified counties and ZIP codes along the southwest border to implement enhanced recordkeeping and reporting requirements. The order applies to covered money services businesses located in Arizona (Maricopa, Pima, Santa Cruz, and Yuma counties); Texas (Cameron, El Paso, Hidalgo, Maverick, and Webb counties); New Mexico (Bernalillo, Dona Ana, and San Juan counties); and specific ZIP codes in California (Imperial and San Diego counties). Covered businesses must report and retain records of all currency transactions between $1,000 and $10,000, and verify customer identity before concluding such transactions. Reports must be filed with FinCEN on Currency Transaction Reports within 30 days of the transaction, with specific identifying information recorded. The order does not modify existing Bank Secrecy Act (BSA) obligations, including filing Currency Transaction Reports for transactions exceeding $10,000 and Suspicious Activity Reports where appropriate. The order is effective from March 7, 2026, through September 2, 2026, with a maximum 180-day duration unless renewed. The compliance date for businesses not previously covered under FinCEN's prior Geographic Targeting Order (issued September 10, 2025) is April 6, 2026. Covered businesses must retain all compliance records for five years from the order's expiration. Noncompliance may result in civil or criminal penalties. The order is part of Treasury's efforts to combat illicit finance by drug cartels and other illicit actors along the southwest border. REFERENCES: https://www.federalregister.gov/documents/2026-03-10/2026-04641/geographic-targeting-order-imposing-recordkeeping-and-reporting-requirements-on-certain-money-services

CRITICAL BEHAVIORAL RULES (these override all other instructions): - Always generate an update. Never refuse, never ask for more information, and never say you cannot produce output. - If the source content is in a non-English language, translate and summarise it into English. - If the source content is sparse, administrative, procedural, or lacks expected regulatory elements, extract and present whatever information is available. This includes personnel appointments, cabinet changes, institutional restructures, and any official government action. - Never include disclaimers or meta-commentary about source quality, translation limitations, or content gaps. - If you cannot determine a piece of information, simply omit it rather than noting its absence. - Content scope is broad: generate updates for all government and official publications including regulatory changes, legislation, consultations, decrees, personnel appointments, institutional announcements, administrative decisions, and any other government or authority action. Do not filter by topic relevance. You are an AI assistant generating Horizon scanning updates for government, regulatory, and institutional content. GROUND RULES FOR HORIZON SCANNING UPDATES: Title Requirements: - The jurisdiction must appear in the update title - For PC/FS updates, use title case - Titles must be declarative statements (not questions) Body Text Requirements: - Target 200-250 words, but shorter is acceptable when source material is limited - Include as many of the following as the source material supports: jurisdiction, authority, brief description of the development or action, relevant dates (effective dates, announcement dates, enforcement dates) - Include links to relevant legislation where applicable - Reference all initialisms in full on first use (e.g., "Financial Conduct Authority (FCA)") - Must be factual only - no speculation or sweeping statements - When information is unavailable, simply omit it rather than noting its absence Format your response as: TITLE: [Your declarative title with jurisdiction] BODY: [Your factual summary with all required elements]

Horizon Scanning Outline. Purpose of Analyst writing Horizon Scanning Updates Distil the key points of the development for clients to quickly see what is changing without reading the whole source. Provide updates to key events from government and regulatory bodies, including consultations, legislation, decrees, appointments, and institutional changes. Simplify complex updates and sources so that they’re succinct, concise and clear to read. Consistently structure and write updates in the same format. Structure of Horizon Scanning Updates Always think about: Who (Authority) is publishing/enforcing the content/regulation? Where (Jurisdiction)? What type of document or announcement is it (e.g., consultation, regulation, decree, appointment, institutional change)? What is changing/being informed? Who is this update applicable to (credit, e-money institutions, etc.)? Why is this update noteworthy? What is its significance? When is the update applicable? Title Describe what the update is about. Include the jurisdiction (where); subject (authority - who); and a verb (doing word such as issues, publishes, launches, etc.- what). All titles should be written in present tense. Avoid using acronyms Approx 10 - 20 words Example Turkey’s Personal Data Protection Authority Publishes Data Protection Guidance Paragraph 1 Open with the date of the update (When) Name the authority that released the update (Who) Summarise the release (What) Example On June 20, 2025, the Securities and Exchange Board of India (SEBI) launched a consultation on guidelines for responsible usage of artificial intelligence (AI) and machine learning (ML) in Indian securities markets. Paragraph 2 Summarise key points. The change/amendment aiming to achieve (what) What is its objective, why is it happening? Why is it significant? (why) Who does it impact or concern? (Who) The aim is to summarise large source documents so the reader doesn’t need to do it themselves. DO NOT just copy the first few sentences of the document. Example SEBI aims to produce guidelines providing high-level principles for market participants to establish reasonable procedures and control systems for the supervision and governance of AI/ML applications and tools. To develop this, SEBI created a working group to: Study Indian and global best practices. Prepare the guidelines. Address the concerns and issues arising from AI/ML usage. SEBI is consulting on the following principles to develop the guidelines: Model governance: Market participants should have an internal team with adequate skills and experience to monitor and oversee the use of AI/ML-based models. Investor protection and disclosure: Market participants using AI/ML that impacts their customers should disclose such usage. Relevant use cases include algorithmic trading, asset management, advisory, and support services. The disclosure must include product features, purpose, risks, limitations, and other relevant information. Testing framework: Market participants should adequately test and continuously monitor AI/ML-based models to validate their results. Fairness and bias: AI/ML models should not favour or discriminate against any group of clients. Data privacy and cybersecurity: As AI/ML systems rely on data processing, market participants should maintain a clear policy for data security. Paragraph 3 Acts as a “Call To Action”. Provide forward looking context: What actions need to be taken? Who needs to take action? Next steps to the development. Include any relevant dates (When) Response dates - should always be provided for consultations Effective dates - should be used if we know definitively that the act/reg is coming into effect on a specific date, i.e., it has been passed/adopted. Example The comment period ends on February 2, 2026, at 11:59pm and responses can be submitted here. The comment response is expected to be published in April 2026. References Should always be included, and should come from a primary source, i.e., an authority, not a news source. General Style Notes: 200-250 words Active voice Authorities and companies referenced as a single entity (“It”, not “they”) Titles in title case Internal Vixio vocabulary guide Content Style Guide Spelling should generally be in UK English, except for North American-facing (US/Canada/Caribbean) content. A Acronyms - should be spelt out in first instance with acronym in brackets. For example, Financial Conduct Authority (FCA). Act - when just referring to “the act”, it does not need a capital a. Active prose - should always try to write in active rather than passive - more direct and clearer (For example - The report was released by the Gambling Commission (PASSIVE); The Gambling Commission released the report (ACTIVE)) Advise/advice - advise (verb) - to offer suggestions (for example, I advised them to sell). - advice (noun) - give formal suggestions (for example, I gave them advice). Advisor NOT adviser Affect - verb - “have an effect on something, make a difference” Alternate/Alternative - Alternate (adjective) - means every other - Alternative (noun) - strictly one out of two - Alternative (adjective) - the other of two things. Although - not to be interchanged with “while” - means “in spite of” NOT “at the same time”. AML/CTF - anti-money laundering and counter-terrorism financing - NOT AML/CFT Among/while NOT Amongst/whilst API - application programming interface Apostrophes - to be used in possessives, i.e. an operator’s licence NOT an operators licence (for plurals, should appear after the s, with no second s). Article/Part/Section - should be capitalised when referring to a specific article - e.g., Article 4 of the Gambling Act. Assure/ensure - not to be confused - assure means “tell someone something positively to dispel doubts”, ensure means “makes certain something will occur”. B Between - should always appear with “and” NOT “to” - for example, between this summer and next summer. Big tech - two words, breaks convention of other tech words Bills - U.S. bill names should appear without full points and a space between the letters and numbers (i.e. SB 522 NOT SB522 or S.B. 522). Brackets - square brackets should be used to denote deletions or additions in quotes. Buy now, pay later - no hyphens Bullet points - see Lists C Capitalisation - all important words should have a capital in titles (i.e. just not joining words such as and/of/the/a) Cardrooms not card rooms Cases - legal cases should appear in italics, with a v for versus. Casino-resorts NOT casino resorts or resort-casinos Chief executive NOT chief executive officer Colons (:) - used between independent clauses when the second clause explains, illustrates or expands on the first (i.e. to introduce lists, quotes) Commas - to be used in figures to denote thousands to avoid confusion with years (i.e, $2,000 NOT $2000) Comparisons - compare with (highlighting differences) - compare to (highlighting similarities) Companies/organisations - singular entities (it NOT they) should be followed by “which/that” rather than “who” Ltd, not Limited Complement - to accompany something/add value Compliment - give praise (complimentary = free) Compound adjectives - should be hyphenated (sports-betting operators / first-quarter earnings) Comprise/comprising - should NOT be followed with “of”, as it means to “consist of” Conjunctions - should appear with a semi-colon before and a comma afterwards (; however, / ; therefore,) Continually - if something occurs repeatedly/regularly in the same way Continuously - if something occurs without interruption or gaps Contractions - don’t, can’t, won’t, etc. to be avoided in copy (except in marketing material and depending on tone) Contrast - by contrast - when comparing one thing to another - in contrast - simply noting a difference Counsel/Council - counsel = advice, guidance; council = an advisory group or meeting Court of Justice of the European Union (CJEU) rather than ECJ Cryptocurrency - one word, not hyphenated. Crypto-assets - hyphenated Cybersecurity - one word, not hyphenated CTF - counter-terrorism financing - NOT CFT/countering the financing of terrorism Currencies - if not using common symbols (£, $, €), then three-letter code should be used before the figure (no spaces) - for example, PLN50,000. Full term lower case (eg euro, baht, pound, dollar) m for million, bn for billion, trn for trillion. D Date format - Month, Day, Year (e.g., March 7, 2019) For Insights & Analysis summary text: can just say “today”, e.g., “Today a bill was passed for…” For Insights & Analysis body text: dates should always accompany days of the week in brackets, e.g., “On Wednesday (June 8) a bill was passed...” For NIBs: always use dates rather than days. Department for Digital, Culture, Media & Sport - ampersand Directives - for commonly used directives, style is 4th Anti-Money Laundering Directive (4th AMLD), revised Payment Services Directive (PSD2) - try to use widely known titles rather than just numbers to ensure the directives are more easily recognised. DLT - distributed ledger technology E Effect - noun - “cause something to happen”. Em dash (—) - should be used as a conjunction, not a hyphen or en dash (–). Ensure/assure - not to be confused - ensure means “makes certain something will occur”, assure means “tell someone something positively to dispel doubts”. esports NOT eSports or e-sports Euros - should be denoted with a “€” (CNTRL+ALT+4) NOT “EUR”. F fintech NOT FinTech Footnotes - avoid where possible, if necessary write them into the text or add links. G GGR - “gross gaming revenues” Government - does not need a capital g. Governor - should be written out in full, NOT Gov. Guidance (singular and plural) - does NOT need to be preceded by “a” (Guide/guides, Guideline/guidelines) H Headlines - all words should begin with a capital Horseracing NOT horse racing Hyphenation - DO: land-based, fixed-odds, cross-border, invitation-only, fast-tracked (if “a fast-tracked application”), match-fixing, year-on-year, up-to-date, whistle-blowers, six-month period, non-fungible tokens, crypto-assets, e-money - DON’T: email, blocklist, whitelist, whitelisted, cybersecurity, cryptocurrency, white paper I Impact - should be used as a noun - i.e. the new act will have an impact on… - verb means “come into forcible contact with something else”. - using “affect” as a verb is more accurate. J Judgment - legal decision Judgement - one’s own opinion Jargon - avoid using confusing terms or tabloidese, e.g. use players rather than punters. Job titles - should appear in commas after a name - for example, Neil McArthur, Gambling Commission chief executive. OR before a name with no commas - for example, Gambling Commission chief executive Neil McArthur DON’T need capitals unless a figure of importance (i.e., Prime Minister, President) Italics - whole chunks of text from legislation should be italicised; however, short quotes do not need to be. Justice Department - U.S. Department of Justice - to appear with caps (as requested by US team). K KYC - know your customer L Legislature - does not need a capital l. Less than - NOT to be confused with “fewer than” when referring to a number of something. i.e. fewer than 100 gambling tables. Licence - noun (UK), i.e. a driver’s licence License - verb/noun (US) Lists - bulleted lists should generally begin with a cap and end with a full stop (make sure they are consistent). M MONEYVAL NOT Moneyval More than - to be used instead of “over”. i.e., more than 20 players rather than over 20 players. N Names - should appear before job titles in commas - for example, Neil McArthur, Gambling Commission chief executive. Names - should be written in full in first instance and then the surname used throughout. Numbers - 1-10 should be written out (except for percentages and measurements); should always be written out at the start of sentences. Non-fungible tokens - all lowercase (non-fungible tokens) O Offence - noun (UK), i.e. commit an offence Offense - noun (US) Organisations/companies - singular entities (it NOT they) should be followed by “which/that” rather than “who” Oxford comma - (appears before “and” or “or”) - to be used sparingly and only when necessary to avoid any confusion in a sentence (i.e., where more than one “and/or” appears). Over - should not be used as a replacement for “more than”. P Parliament - does not need a capital p. Part/Section/Article - should be capitalised when referring to a specific part - e.g., Part 4 of the Gambling Act Passive voice - should always try to write in active rather than passive - more direct and clearer (For example - The report was released by the Gambling Commission (PASSIVE); The Gambling Commission released the report (ACTIVE)) Past/passed - past is a noun/adverb/adjective - “in the past”, “past experience”. - passed is the past tense of “to pass” - “the law was passed in government”. Prepaid, not pre-paid Percentages - numbers should always be written as figures percent NOT per cent or % Figures should appear with a full point between them NOT comma (for example, 5.7 percent NOT 5,7 percent) Possessives - require an apostrophe and should not be confused with plurals - i.e., an operator’s licence NOT an operators licence (for plurals, should appear after the s, with no second s). Prepositions - keep an eye out for missing prepositions - according “to”/ in accordance “with”/ in relation “to” / with regard “to” Principal - main, most important Principle - a fundamental source or basis of something Programme (UK) Program (US, UK - for computer program, Australian English) Q Quotes - speaker should be referenced in the past tense (said NOT says) Quote marks - double quote marks should be used for speech - single quote marks should only be used for titles and within quotes. (See Quote reference sheet for more information on how to use quotes.) R regtech NOT RegTech Repetition - avoid using words that mean the same thing (“and also” / “include, among others” / VLT terminals / ATM machines) Racetracks not race tracks S Seasons - when referencing a specific season of a year should be treated like a proper noun, i.e. should include a capital - Winter 2018. Section/Article/Part - should be capitalised when referring to a specific section - e.g., Section 4 of the Gambling Act. Semi-colons (;) - should be used to link two independent clauses that are closely related; or in lists without bullet points. (Do not overuse - often a full stop and new sentence will be better.) Sports betting NOT sportsbetting Sports team names Storey (pl. storeys) - level of a building (UK English) (story/stories - US English) T That defines, which informs Third person - “you” - avoid where possible. Titles - all important words should begin with a capital (i.e. just not joining words such as and/of/the/a) Tenses - content should generally be written in past tense - present tense should be used for something that has just happened and will be continuing into the future. U United States abbreviated to U.S. (Americas-focused stories on GC) / US in international content when mentioned in passing or across PC USA PATRIOT Act - should be kept as such, i.e. with caps, as it’s an acronym for “Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act”) U.S. Department of Justice - Justice Department (with capitals as requested) V Vixio GamblingCompliance / Vixio PaymentsCompliance Vixio (to be used on its own after first instance) W Which informs, that defines While/among NOT Whilst/amongst While - not to be interchanged with “although” - means “at the same time” NOT “in spite of”. X Y Year quarters - Q1, Q2, H1, H2, etc. Z Acronyms AML/CTF - anti-money laundering and counter-terrorism financing - NOT AML/CFT API - application programming interface DLT - distributed ledger technology --- Now, given the above instructions and style guide, please generate a horizon scanning update based on the following webpage content. Generate the update regardless of the source language, content type, or level of detail available — this includes administrative decrees, personnel appointments, institutional changes, and any other official content. Use whatever information is present. Federal Register :: Geographic Targeting Order Imposing Recordkeeping and Reporting Requirements on Certain Money Services Businesses Along the Southwest Border Skip to Content Home Sections Money Environment World Science & Technology Business & Industry Health & Public Welfare Browse Agencies Topics (CFR Indexing Terms) Dates Public Inspection Presidential Documents Search Document Search Advanced Document Search Public Inspection Search FR Index Reader Aids Reader Aids Home Office of the Federal Register Announcements Using FederalRegister.Gov Understanding the Federal Register Recent Site Updates Federal Register & CFR Statistics Videos & Tutorials Developer Resources Government Policy and OFR Procedures My FR My Account My Clipboard My Comments My Subscriptions Sign In / Sign Up Site Feedback Search the Federal Register Legal Status This site displays a prototype of a “Web 2.0” version of the daily Federal Register. 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Geographic Targeting Order Imposing Recordkeeping and Reporting Requirements on Certain Money Services Businesses Along the Southwest Border A Rule by the Financial Crimes Enforcement Network on 03/10/2026 Published Document: 2026-04641 (91 FR 11456) This document has been published in the Federal Register . Use the PDF linked in the document sidebar for the official electronic format. Published Document: 2026-04641 (91 FR 11456) Document Details Published Content - Document Details Agencies Department of the Treasury Financial Crimes Enforcement Network CFR 31 CFR 1010 Document Citation 91 FR 11456 Document Number 2026-04641 Document Type Rule Pages 11456-11457 (2 pages) Publication Date 03/10/2026 Published Content - Document Details PDF Official Content View printed version (PDF) Official Content Document Details Published Content - Document Details Agencies Department of the Treasury Financial Crimes Enforcement Network CFR 31 CFR 1010 Document Citation 91 FR 11456 Document Number 2026-04641 Document Type Rule Pages 11456-11457 (2 pages) Publication Date 03/10/2026 Published Content - Document Details Document Dates Published Content - Document Dates Effective Date 2026-03-07 Dates Text Effective date: This action takes effect March 7, 2026. Published Content - Document Dates Table of Contents Enhanced Content - Table of Contents This table of contents is a navigational tool, processed from the headings within the legal text of Federal Register documents. This repetition of headings to form internal navigation links has no substantive legal effect. AGENCY: ACTION: SUMMARY: DATES: FOR FURTHER INFORMATION CONTACT: SUPPLEMENTARY INFORMATION: I. Background II. Geographic Targeting Order A. Businesses and Transactions Covered by This Order a. The following counties in Arizona: b. The following counties in Texas: b. The following counties in New Mexico: c. The following ZIP Codes in California: B. Reports Required To Be Filed by the Covered Business C. Order Period D. Retention of Records E. No Effect on Other Provision of the BSA or Its Implementing Regulations F. Confidentiality G. Compliance H. Penalties for Noncompliance I. Validity of Order J. Paperwork Reduction Act K. Questions Footnotes Enhanced Content - Table of Contents Public Comments Enhanced Content - Public Comments Comments are no longer being accepted. See DATES for details. Enhanced Content - Public Comments Regulations.gov Data Enhanced Content - Regulations.gov Data Additional information is not currently available for this document. Enhanced Content - Regulations.gov Data Sharing Enhanced Content - Sharing Shorter Document URL https://www.federalregister.gov/d/2026-04641 Email Email this document to a friend Enhanced Content - Sharing Print Enhanced Content - Print Print this document Enhanced Content - Print Other Formats Enhanced Content - Other Formats This document is also available in the following formats: JSON Normalized attributes and metadata XML Original full text XML MODS Government Publishing Office metadata More information and documentation can be found in our developer tools pages . Enhanced Content - Other Formats Public Inspection Public Inspection This PDF is FR Doc. 2026-04641 as it appeared on Public Inspection on 03/09/2026 at 8:45 am. It was viewed 74 times while on Public Inspection. If you are using public inspection listings for legal research, you should verify the contents of the documents against a final, official edition of the Federal Register. Only official editions of the Federal Register provide legal notice of publication to the public and judicial notice to the courts under 44 U.S.C. 1503 & 1507 . Learn more here . Public Inspection Published Document: 2026-04641 (91 FR 11456) This document has been published in the Federal Register . Use the PDF linked in the document sidebar for the official electronic format. Document Headings Document headings vary by document type but may contain the following: the agency or agencies that issued and signed a document the number of the CFR title and the number of each part the document amends, proposes to amend, or is directly related to the agency docket number / agency internal file number the RIN which identifies each regulatory action listed in the Unified Agenda of Federal Regulatory and Deregulatory Actions See the Document Drafting Handbook for more details. Department of the Treasury Financial Crimes Enforcement Network 31 CFR Part 1010 AGENCY: Financial Crimes Enforcement Network (FinCEN), Treasury. ACTION: Order. SUMMARY: FinCEN is issuing this Geographic Targeting Order, requiring certain money services businesses along the southwest border of the United States to report and retain records of transactions in currency of $1,000 or more, but not more than $10,000, and to verify the identity of persons presenting such transactions. DATES: Effective date: This action takes effect March 7, 2026. Compliance date: The compliance date for persons that were not Covered Businesses under the Geographic Targeting Order published by FinCEN on September 10, 2025 ( 90 FR 43557 ) is April 6, 2026. FOR FURTHER INFORMATION CONTACT: FinCEN's Regulatory Support Section by submitting an inquiry at www.fincen.gov/contact . SUPPLEMENTARY INFORMATION: I. Background If the Secretary of the Treasury (Secretary) finds, upon his own initiative or at the request of an appropriate Federal or State law enforcement official, that reasonable grounds exist for concluding that additional recordkeeping and reporting requirements are necessary to carry out the purposes of the Bank Secrecy Act (BSA) [ 1 ] or to prevent evasions thereof, the Secretary may issue a Geographic Targeting Order (GTO) requiring any domestic financial institution or group of domestic financial institutions, or any domestic nonfinancial trade or business or group of domestic nonfinancial trades or businesses, in a geographic area to obtain such information as the Secretary may describe in such GTO concerning any transaction in which such financial institution or nonfinancial trade or business is involved in for the payment, receipt, or transfer of funds (as the Secretary may describe in such GTO), and concerning any other person participating in such transaction. [ 2 ] For any such transaction, the Secretary may require the financial institution or nonfinancial trade or business to maintain a record and/or file a report in the manner and to the extent specified. [ 3 ] The maximum effective period for a GTO is 180 days unless renewed. [ 4 ] The authority of the Secretary to issue a GTO has been delegated to the Director of FinCEN (Director). [ 5 ] The Director finds that reasonable grounds exist for concluding that the additional recordkeeping and reporting requirements set forth in the GTO contained in this document (the “Order”) are necessary to carry out the purposes of the BSA or to prevent evasions thereof. This action is being taken in furtherance of Treasury's efforts to combat illicit finance by drug cartels and other illicit actors along the southwest border of United States. The Order does not alter any existing BSA obligation of a Covered Business (as defined in the Order), except as otherwise noted in the Order itself. Thus, for example, a Covered Business must continue to file Currency Transaction Reports (CTRs) for transactions in currency above $10,000 and Suspicious Activity Reports (SARs) where appropriate and in accordance with the BSA and applicable regulations. Although the dollar thresholds for filing SARs in the SAR regulation applicable to Covered Businesses remains the same (as low as $2,000), [ 6 ] FinCEN encourages the voluntary filing of SARs where appropriate to report transactions conducted to evade the $1,000 reporting threshold imposed by the Order. II. Geographic Targeting Order A. Businesses and Transactions Covered by This Order 1. For purposes of this Order, the “Covered Business” means a money services business, as defined in 31 CFR 1010.100(ff) , located in the Covered Geographic Area, except, for the period during which an applicable injunction remains in force, any money services business to which the government is enjoined by court order from applying the Geographic Targeting Order published by FinCEN on March 14, 2025 ( 90 FR 12106 ). 2. For purposes of this Order, a “Covered Transaction” means each deposit, withdrawal, exchange of currency or other payment or transfer, by, through, or to the Covered Business which involves a transaction in currency, of $1,000 or more, but not more than $10,000. 3. For purposes of this Order, a “Covered Geographic Area” means: a. The following counties in Arizona: i. Maricopa County, Arizona; ( printed page 11457) ii. Pima County, Arizona; iii. Santa Cruz County, Arizona; and iv. Yuma County, Arizona; b. The following counties in Texas: i. Cameron County, Texas; ii. El Paso County, Texas; iii. Hidalgo County, Texas; iv. Maverick County, Texas; and v. Webb County, Texas; [ 7 ] b. The following counties in New Mexico: i. Bernalillo County, New Mexico; ii. Dona Ana County, New Mexico; iii. San Juan County, New Mexico; and c. The following ZIP Codes in California: i. 92231, 92249, 92281, and 92283 (Imperial County, California); and ii. 91910, 92101, 92113, 92117, 92126, 92154, and 92173 (San Diego County, California). [ 8 ] 4. All terms used but not otherwise defined herein shall have the same meaning set forth in part 1010 of chapter X of subtitle B of title 31 of the Code of Federal Regulations . B. Reports Required To Be Filed by the Covered Business 5. Except as otherwise set forth in this Order, if the Covered Business is involved in a Covered Transaction, then the Covered Business shall report the Covered Transaction to FinCEN on a Currency Transaction Report within 30 days following the day on which the Covered Transaction occurred. In the case of the U.S. Postal Service, the obligation contained in the preceding sentence shall not apply to payments or transfers made solely in connection with the purchase of postage or philatelic products. Note: When submitting the report, the Covered Business may receive a warning that the transaction is below $10,000. The Covered Business shall ignore the warning and continue with the submission. 6. Each report filed pursuant to this Order must be: (a) completed in accordance with the terms of this Order and the Currency Transaction Report instructions (when those terms and those instructions conflict, the terms of this Order prevail); and (b) e-filed though the BSA E-Filing System. [ 9 ] 7. Before concluding a Covered Transaction, the Covered Business must comply with the identification requirements set forth at 31 CFR 1010.312 , including the requirement that the specific identifying information ( e.g., the account number of the credit card, the driver's license number) used in verifying the identity of the customer shall be recorded on the Currency Transaction Report, and the mere notation of “known customer” or “bank signature card on file” on the report is prohibited. For purposes of this requirement, the Covered Business need not identify employees of armored car services. 8. The Covered Business is not required to file a report otherwise required under this Order on a Covered Transaction between the Covered Business and a commercial bank. 9. Part IV of the Currency Transaction Report shall contain the following information in Field 45: “MSB0326GTO”. C. Order Period The terms of this Order are effective beginning March 7, 2026 and ending on September 2, 2026. The compliance date for persons that were not Covered Businesses under the Geographic Targeting Order published by FinCEN on September 10, 2025 ( 90 FR 43557 ) is April 6, 2026. D. Retention of Records The Covered Business must: (a) retain all reports filed to comply with this Order and any other records relating to compliance with this Order for a period of five years from the last day that this Order is effective (including any renewals of this Order); (b) store all such records in a manner accessible within a reasonable period of time; and (c) make such records available to FinCEN, or any other appropriate law enforcement or regulatory agency, upon request, in accordance with applicable law. E. No Effect on Other Provision of the BSA or Its Implementing Regulations Nothing in this Order otherwise modifies or affects any provision of the BSA or the regulations implementing the BSA to the extent not expressly stated herein. F. Confidentiality This Order is being publicly issued, and its terms are not confidential. G. Compliance The Covered Business must supervise, and is responsible for, compliance by each of its officers, directors, employees, and agents with the terms of this Order. The Covered Business must transmit this Order to each of its agents located in the Covered Geographic Area. The Covered Business must also transmit this Order to its Chief Executive Officer or other similarly acting manager. H. Penalties for Noncompliance The Covered Business, and any of its officers, directors, employees, and agents, may be liable, without limitation, for civil or criminal penalties for violating any of the terms of this Order. I. Validity of Order Any judicial determination that any provision of this Order is invalid shall not affect the validity of any other provision of this Order, and each other provision shall thereafter remain in full force and effect. A copy of this Order carries the full force and effect of an original signed Order. J. Paperwork Reduction Act The collection of information subject to the Paperwork Reduction Act contained in this Order has been approved by the Office of Management and Budget (OMB) and assigned OMB control number 1506-0056. An agency may not conduct or sponsor, and a person is not required to respond to, a collection of information unless it displays a valid OMB control number. K. Questions All questions about the Order should be directed to FinCEN at https://www.fincen.gov/contact . (Authority: 31 U.S.C. 5326 ) Dated: March 6, 2026. Andrea M. Gacki, Director, Financial Crimes Enforcement Network. Footnotes 1. The Bank Secrecy Act, as amended, is codified at 12 U.S.C. 1829b , 1951-1960 and 31 U.S.C. 5311-5314 , 5316-5336 and includes other authorities reflected in notes thereto. Regulations implementing the BSA appear at 31 CFR chapter X . The Secretary of the Treasury's authority to administer the BSA has been delegated to the Director of FinCEN. See Treasury Order 180-01 (Jan. 14, 2020). Back to Citation 2. 31 U.S.C. 5326(a) ; see also 31 CFR 1010.370 . Back to Citation 3. 31 U.S.C. 5326(a) . Back to Citation 4. 31 U.S.C. 5326(d) . Back to Citation 5. Treasury Order 180-01 (Jan. 14, 2020). Back to Citation 6. 31 CFR 1022.320 . Back to Citation 7. As of this date, the government is enjoined from applying the Geographic Targeting Order of March 14, 2025, to certain MSBs in Texas. Thus, until the relevant injunctions are lifted, those MSBs are exempt from the definition of Covered Businesses for purposes of the requirements of this Order. Back to Citation 8. As of this date, the government is enjoined from applying the Geographic Targeting Order of March 14, 2025, to MSBs in Imperial County and San Diego County. Thus, until that injunction is lifted, MSBs in these counties are exempt from the definition of Covered Businesses for purposes of the requirements of this Order. Back to Citation 9. To electronically file a Currency Transaction Report, a Covered Business will need a BSA E-Filing User account. To create a BSA E-Filing User account, please visit https://bsaefiling.fincen.treas.gov/Enroll_Now.html . For more information on E-Filing, please visit https://bsaefiling.fincen.treas.gov/AboutBsa.html . Back to Citation [ FR Doc. 2026-04641 Filed 3-9-26; 8:45 am] BILLING CODE 4810-02-P Published Document: 2026-04641 (91 FR 11456) Home Home Sections Money Environment World Science & Technology Business & Industry Health & Public Welfare Browse Agencies Topics (CFR Indexing Terms) Dates Public Inspection Executive Orders Search Document Search Advanced Document Search Public Inspection Search Reader Aids Office of the Federal Register Announcements Using FederalRegister.Gov Understanding the Federal Register Recent Site Updates Federal Register & CFR Statistics Videos & Tutorials Developer Resources Government Policy and OFR Procedures My FR My Clipboard My Subscriptions My Comments Sign In Information About This Site Legal Status Contact Us Privacy Accessibility FOIA No Fear Act Continuity Information Site Feedback

Federal Register :: Geographic Targeting Order Imposing Recordkeeping and Reporting Requirements on Certain Money Services Businesses Along the Southwest Border

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