31 CFR 1010.821: Inflation-adjusted BSA penalties (5330(e) = $10,556 from 2025-01-17)

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eCFR :: 31 CFR 1010.821 -- Penalty adjustment and table.

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        Title 31 —Money and Finance: Treasury

        Subtitle B —Regulations Relating to Money and Finance

         Chapter X —Financial Crimes Enforcement Network, Department of the Treasury

        Part 1010 —General Provisions

        Subpart H —Enforcement; Penalties; and Forfeiture

        § 1010.821

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          31 CFR 1010.821

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          Financial Crimes Enforcement Network, Department of Treasury

        Part 1010

Authority:

                12 U.S.C. 1829b and 1951-1959; 31 U.S.C. 5311-5314, 5316-5336; title III, sec. 314 Pub. L. 107-56, 115 Stat. 307; sec. 2006, Pub. L. 114-41, 129 Stat. 457; sec. 701 Pub. L. 114-74, 129 Stat. 599; sec. 6403, Pub. L. 116-283, 134 Stat. 3388.

Source:

                75 FR 65812, Oct. 26, 2010, unless otherwise noted.

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The Code of Federal Regulations (CFR) is the official legal print publication containing the codification of the general and permanent rules published in the Federal Register by the departments and agencies of the Federal Government. The Electronic Code of Federal Regulations (eCFR) is a continuously updated online version of the CFR. It is not an official legal edition of the CFR.
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§ 1010.821 Penalty adjustment and table.

(a) Inflation adjustments.  In accordance with the Federal Civil Penalties Inflation Adjustment Act of 1990, 28 U.S.C. 2461 note, (“FCPIA Act”), as further amended by the Federal Civil Penalties Inflation Adjustment Act Improvements Act of 2015, FinCEN has set forth in paragraph (b) of this section adjusted maximum penalty amounts for each civil monetary penalty provided by law within its jurisdiction that is subject to the FCPIA Act. The adjusted civil monetary penalty amounts replace the amounts published in the statutes authorizing the assessment of penalties.

(b) Maximum civil monetary penalties.  The statutory penalty provisions and their adjusted maximum amounts or range of minimum and maximum amounts are set out in Table 1. The last column in the table provides the newly effective maximum penalty amounts or range of minimum and maximum amounts. These maximum penalty amounts do not, however, limit the total amount of a penalty in the case of a penalty that may be imposed for each day a violation continues.

Table 1 to § 1010.821—Penalty Adjustment Table

U.S. Code citation
Civil monetary penalty description
Penalties as last

amended by statute
Maximum penalty

amounts or range of

minimum and maximum

penalty amounts for

penalties assessed on or

after January 17, 2025

12 U.S.C. 1829b(j)
Relating to Recordkeeping Violations for Funds Transfers
$10,000
$26,262

12 U.S.C. 1955
Willful or Grossly Negligent Recordkeeping Violations
10,000
26,262

31 U.S.C. 5318(k)(3)(C)
Failure to Terminate Correspondent Relationship with Foreign Bank
10,000
17,765

31 U.S.C. 5321(a)(1)
General Civil Penalty Provision for Willful Violations of Bank Secrecy Act Requirements
25,000

−100,000
71,545

−286,184

31 U.S.C. 5321(a)(5)(B)(i)
Foreign Financial Agency Transaction—Non-Willful Violation of Transaction
10,000
16,536

31 U.S.C. 5321(a)(5)(C)(i)(I)
Foreign Financial Agency Transaction—Willful Violation of Transaction
100,000
165,353

31 U.S.C. 5321(a)(6)(A)
Negligent Violation by Financial Institution or Non-Financial Trade or Business
500
1,430

31 U.S.C. 5321(a)(6)(B)
Pattern of Negligent Activity by Financial Institution or Non-Financial Trade or Business
50,000
111,308

31 U.S.C. 5321(a)(7)
Violation of Certain Due Diligence Requirements, Prohibition on Correspondent Accounts for Shell Banks, and Special Measures
1,000,000
1,776,364

31 U.S.C. 5330(e)
Civil Penalty for Failure to Register as Money Transmitting Business
5,000
10,556

31 U.S.C. 5336(h)(3)(A)(i)
Civil Penalty for Beneficial Ownership Information Reporting Violation
500
606

31 U.S.C. 5336(h)(3)(B)(i)
Civil Penalty for Unauthorized Disclosure or Use of Beneficial Ownership Information
500
606

[81 FR 42505, June 30, 2016, as amended at 82 FR 10439, Feb. 10, 2017; 83 FR 11881, Mar. 19, 2018; 85 FR 9371, Feb. 19, 2020; 86 FR 7349, Jan. 28, 2020; 86 FR 7810, Feb. 2, 2021; 87 FR 3434, Jan. 24, 2022; 88 FR 3312, Jan. 19, 2023; 88 FR 7357, Feb. 3, 2023; 89 FR 4821, Jan. 25, 2024; 90 FR 5630, Jan. 17, 2025]

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