Fincen Form 112: Fill & Download for Free

First, it’s not “$10,000 or more” . . . It’s “more than $10,000.” Second, it’s not the IRS . . . It’s the Financial Crimes Enforcement Network (FINCEN), which is a separate Treasury Dept. agency, even though the Currency Transaction Report form itself is an IRS form (Form 8300). Third, a bank does not file a Currency Transaction Report for the purchase of a cashier’s check over $10,000 — it files a different form (FINCEN Report 112).Now, with that out of the way, cashier’s checks are generally not considered cash, and are of no interest to FINCEN as far as reportable transactions are concerned. However, they are of interest when it comes to “structuring”, which is splitting a payment into smaller payments in order to avoid the $10,000 threshold. For example, if all cashier’s checks were disregarded, you could avoid reporting a $20,000 payment by making it with 4 $5,000 cashier’s checks (or with $8,000 cash and 2 $6,000 checks, etc.). So individual cashier’s checks of $10,000 or less are treated as cash for purposes of determining whether certain transactions exceed $10,000 or have been illegally “structured” to avoid reporting.The same rules apply to money orders, travelers checks, and certain other types of instruments, but not personal checks — personal checks are never treated as “cash.”

There are crazy laws on the books, for instance in Hawaii, it is illegal to place quarters in your ears. Not sure why this had to be codified, perhaps too many Hawaiians were going deaf. While these laws may be cute, there is a pervasive, yet rarely recognized problem with federal laws that make nearly everything we do a violation of some sort. Harvey Silverglate's book "Three Felonies a Day" explores the concept that the average business person unknowingly commits three felonies or more a day merely by operating business as usual. There were several stories recently about small business owners getting raided by the DEA, IRS and FBI for nothing more than making bank deposits of a little less than $10,000 In the States, there is a reporting requirement that any transaction or bank deposit over $10,000 requires a FinCEN form 112 filing. The small business owners made less than $10,000 so they deposited their daily receipts and the bank nor the business owner was under any legal obligation to file form 112. However, the government felt that the small business owners were purposely trying to avoid the filing requirement by "structuring" or "smurfing" their deposits and raided their small business with no other indicia of illegal activity! If that wasn't bad enough, the onus to prove that the funds are legitimate falls on the business owner and they have to file suit in Federal Court to claim their money. In other words, instead of the burden being on the government to prove the funds are illegal, it is up to the victim to prove that the funds are legal. This task is nearly impossible for a small business owner who has all his assets frozen by the government. Here's is one example IRS Seizes Over $100,000 From Innocent Small Business Owner, Despite Promise To End Raids. How can the government circumvent the checks and balances of the criminal system? They call the forfeiture a "Civil Forfeiture" and are therefore not required to prove beyond a reasonable doubt that the funds are from illegal activities. Another scary law is Conspiracy to commit... Conspiracy merely requires that an individual within a group of two or more make a substantial first step in the commission of a crime. For instance, say you and your buddies just saw the movie Italian Job and over a pint of beer you draw out a hypothetical plan to infiltrate your local bank. This could be construed as a substantial step to committing an actual bank robbery and you could be brought up on conspiracy charges. Well, you may be saying all I have to do is tell them it was merely a fantasy and there was no actual intent to commit the crime. This in and of itself is not a defense because you are not being charged with committing a bank robbery, you are being charged with conspiracy to do so. Scary, eh? Here's something even scarier. After 9/11 and after the tragic passing of Uniting and Strengthening America by Providing Appropriate Tools Required to Intercept and Obstruct Terrorism Act, also known as the USA PATRIOT act (I find it amazing the lengths these guys will go to cram in a catchy acronym) there is a level of crime where you don't have to have any criminal intent or do any criminal act to be deemed a criminal. This new level of crime is called a "Status" crime where there mere accusation by the government that you are a terrorist grants them the ability to "rendition" you, literally take you from the streets without notifying your friends or family or affording you habeas corpus rights or the right to speak with a lawyer. That, to me is scary. Sounds like a Thought Crime George Orwell wrote in his book 1984. Bottom line is, you can be deemed a criminal, and not given the Constitutional rights guaranteed by the Amendments to the Constitution merely by having different sets of beliefs than the government. If you're interested in learning more, take a look at Naomi Wolf's "The End of America - Letter of Warning to a Young Patriot". I hope this answer scared you enough that you look into how our laws are passed and how the government uses them to not only pursue bona fide criminals, but those who hold beliefs contrary to their own.

To call that “unlikely” would be an understatement. There’s no chance in hell.Let me give you a taste of the unbelievably long list of potentially disqualifying factors they could take issue with:Mob tiesLong history of shady dealings and mafia associations[1][2][3][4] (“Trump has willingly teamed up with a succession of mob-tied figures who had nothing to do with the construction industry.”[5])Trump’s bid to build a casino in Sydney, Australia was rejected due to his mob connections[6]Financial issues (credit/debt)His credit is so bad no American bank will loan him anything[7]Filed for bankruptcy for his companies 6 times[8]In serious debt, owing hundreds of millions to both U.S. and foreign lenders[9]Three different liens on his new Washington, D.C. hotel, including one for $5 million over failure to pay his contractors[10]Criminal associatesFelix Sater (convicted of violent and financial crimes)[11]Joseph Weichselbaum (convicted of grand theft auto, embezzlement, drug trafficking)[12][13][14]Tevfik Arif (allegedly ran a prostitution ring, technically acquitted)[15][16]Andrew Stein (lied about a ponzi scheme, convicted for tax evasion)[17]Michael Flynn (pleaded guilty of lying to FBI, getting leniency on other charges in exchange for cooperation)[18]Paul Manafort (under federal indictments with 30 charges, including conspiracy against the United States, conspiracy to launder money)[19][20][21][22]Rick Gates (also under federal indictments for 30 charges, including conspiracy against the United States, conspiracy to launder money, some of which he’s already pleaded guilty to)[23][24]George Papadopoulos (pleaded guilty of lying to FBI, awaiting sentencing)[25]Michael Cohen (even before current legal troubles with regard to money laundering and campaign finance violations, he was connected with various insurance fraud schemes)[26]The Kushners (related by marriage to a family with various legal troubles, including a conviction for serious financial crimes)[27]plus all the folks included in the aforementioned mob tiesMoney LaunderingHis casino was fined $10 million for violations of the Bank Secrecy Act, which they admitted to willfully violating[28][29]All sorts of credible allegations of money laundering for Russians through more than one of his properties and businesses, including activities in New York, Florida, and Panama[30][31][32][33][34][35][36][37][38]FraudPaid $25 million to settle Trump University fraud case[39][40]Investigated and sued for fraud by attorneys general of multiple states[41][42]Accused of tax fraud by a Mexican government official[43]Sued and criminally investigated for defrauding condo buyers, had to refund more than $3 million, plus pay an undisclosed settlement. Following the settlement, the people he paid refused to cooperate with the district attorney, so the criminal case was dropped[44]Foreign financial ties, especially with people connected to the Russian government[45][46][47][48]Suspicious political donations resembling bribery to escape prosecutionTo Florida Attorney General over Trump University fraud case[49][50]To California Attorney General over Trump U fraud case[51]To Manhattan District Attorney over his kids’ Trump SoHo fraud case[52][53][54]Vulnerability to blackmailPaid $130,000 hush money to porn star mistress[55][56]Long history of paying to keep people quiet[57]Allegations that foreign governments have compromising information on him[58][59][60]Serial adultery[61][62][63][64][65][66][67][68][69]Civil LitigationHabitually fails to honor contracts and has been involved in a staggering 3,500 lawsuits[70] — investigators are supposed to review every one!Sued by his own family members, not just his wives (and retaliated by cutting off medical treatment to critically ill infant)[71]Disgusting treatment of his tenants[72]Repeated run-ins with the lawFound guilty of hiring/mistreating undocumented immigrants[73] and had to pay $1 million[74]Fined $750,000 by Federal Trade Commission & Justice Department over antitrust violations and disclosure rules[75][76]Fined $15,000 by the Federal Election Commission for exceeding campaign contribution limits by $47,050, the largest violation in a single year.[77][78]Fined $250,000 by the New York State lobbying commission for “failing to disclose the full extent of his lobbying of state legislators.”[79]Skirted $50,000 campaign contribution limit by guaranteeing a $50,000 loan to New York politician and future convict Andrew Stein (which Trump later paid himself, even though, “or perhaps because he won”), in addition to another $50,000 he secretly split among 18 subsidiaries. When the New York State Commission on Government Integrity questioned him, he claimed he thought everyone knew the 18 companies were his, that he was just following lawyer advice, and that the loan was going to be paid back.[80][81][82][83]His foundation admitted to illegal “self-dealing” and is under investigation by the State of New York[84](and possibly the IRS, but they can’t say if they’re investigating)Apparently violated the Cuba embargo[85]Caught colluding in a tax evasion scam in 1986, testified against others so he wouldn’t be prosecuted[86]Paid a $250,000 fine after an investigation uncovered how he secretly ran an “ad campaign insinuating that an American Indian tribe threatening his casinos had ties to drugs and the Mafia.”[87]Violated the Fair Housing Act[88]Received an illegal loan worth millions of dollars, in violation of gaming laws[89]Violated anti-discrimination laws, fined $200,000 by the New Jersey Casino Control Commission. He tried to appeal but lost.[90]Possible violations of U.S. Foreign Corrupt Practices Act and/or other foreign corruption connectionsAzerbaijan and ties to Iran’s Revolutionary Guard[91][92]Brazil[93]India[94]Likes to brag, has difficulty keeping a secret, AND **HAS REVEALED CLASSIFIED INFORMATION BEFORE**[95][96][97][98][99][100][101][102]Technically this question is asking about before he was president, so that wouldn’t have happened yet, but the bragging and trouble keeping a secret would come out in a background check. Ego is one of the four main methods foreign intelligence agencies use to get information from people.Up to 22 sexual assault allegations and/or other sexual misconduct, spanning four decades[103][104][105][106] How many people with Top Secret clearance have their own Wikipedia page full of sexual misconduct allegations?[107] In addition to the nearly two dozen women who have made allegations against him, there are recordings of Trump essentially admitting this behavior, corroborating some of the allegations himself:In a 2005 recording, Trump bragged in a radio interview about his practice of walking in on women and girls undressing at beauty pageants he owned, under the guise of “inspecting” it. “No men are anywhere, and I’m allowed to go in, because I’m the owner of the pageant.” By “allowed,” he apparently meant no one stopped him. Reveling in what he could “get away with,” his bragging left no ambiguity about his purpose: “You know, they're standing there with no clothes… And you see these incredible looking women, and so, I sort of get away with things like that.” His admission corroborates allegations made by some of the women he did this to, including five then-teenaged girls who competed in the 1997 Miss Teen USA pageant, some as young as 15. [108][109][110][111][112][113][114][115]In a separate 2005 incident, Trump was recorded saying he feels his celebrity allows him to assault women, specifically to kiss them (“I just start kissing them...I don't even wait...") or “grab” their genitalia, without their consent.[116][117][118][119][120] While Trump tried to downplay the remarks, he did admit to saying them and offered a rare apology.[121] In sworn testimony before Congress, Trump’s own appointee for Attorney General confirmed that the actions Trump described would “clearly” constitute sexual assault.[122]Compulsive lying[123][124][125][126][127][128][129][130][131][132][133]One of the most common reasons for rejection is dishonesty in the application process, or a failure to accurately disclose relevant information on the 100+ page security clearance application form called the SF-86. Odds are Trump would fudge the truth somewhere.Believe it or not, this isn’t even everything, I just got bored with the project.Any one of these many issues would potentially be enough to sink his chances on their own, but all of them? Come on. Even if his application somehow weren’t rejected just based on the first 5% of this, the sheer volume of information is so overwhelming that the background check wouldn’t even be completed.Also, this is just based on open source information. An actual background check involves full field investigation— reviews of every database, interviews with friends, family, business associates, neighbors, litigants, ex-wives, etc.And remember, security clearances are not decided on the same standard as criminal law and incarceration. In other words, he doesn’t have to be convicted in a court of law, there’s no “innocent until proven guilty” or “beyond a reasonable doubt” standard; suspicion is more than enough reason to be denied a security clearance. Furthermore, not every valid reason to deny a clearance is a crime. In fact, most are not (affairs, debt, alcoholism, shady friends, foreign ties, etc.)Below are the ten most common reasons people get denied clearance.[134][134][134][134] I’ve put the ones he might have problems with in bold:Financial ConsiderationsPersonal ConductDrug Involvement (though he did vouch for a convicted drug trafficker)Foreign InfluenceCriminal ConductAlcohol ConsumptionForeign PreferenceHandling Protected InformationUse of IT Systems (perhaps I should bold this for his heavy social media use and refusal to use a secure phone?)Sexual BehaviorA writer is supposed to show, not tell, but I know some people have a bit of a blind spot when it comes to Donald Trump’s shortcomings, so I’ll spell it out for you… He’d be blown out of the water on almost every category.I mean, we don’t even have to get into the shady mob ties or financial issues or foreign entanglements or rampant sexual misconduct…does that long list of fines he paid for violations of criminal and civil law suggest he’s someone with the requisite moral character to be trusted with national secrets?Do you think the people who grant security clearances would roll the dice with someone like this?…would you want them to??Footnotes[1] Just What Were Donald Trump's Ties to the Mob? [2] Trump ties to mobster, racist casino policies alleged in new report - Philly[3] Yes, Donald Trump has been linked to the mob[4] The truth about Donald Trump and his links to the mob[5] A Brief History of Donald Trump and the Mafia[6] Trump's bid for Sydney casino 30 years ago rejected due to 'mafia connections’[7] American banks don't support Trump — voters soon won't either[8] Donald Trump's six bankruptcies, detailed[9] Trump's latest financial disclosure shows he owes lenders at least $315 million[10] Third lien on Trump hotel brings alleged unpaid bills to over $5 million[11] Donald Trump And The Felon: Inside His Business Dealings With A Mob-Connected Hustler[12] The Drug Trafficker Donald Trump Risked His Casino Empire to Protect[13] https://books.google.com/books?id=LCbpDAAAQBAJ&pg=PA3&lpg=PA3&dq=*+Joseph+Weichselbaum&source=bl&ots=QeKTrzp7X7&sig=n7U2261FrCk7Gxty6oXM8PGX2mw&hl=en&sa=X&ved=0ahUKEwjGrtj8hJ3ZAhWkdN8KHdKTBO4Q6AEIVjAN#v=onepage&q=*%20Joseph%20Weichselbaum&f=false[14] Trump Vouched For Cocaine Trafficker[15] Trump pal busted for allegedly running hooker ring on yacht[16] Trump’s Former Business Partner Tries to Erase his Prostitution Bust From Web[17] Ex-Council President, Andrew Stein, Avoids Prison on Tax Evasion[18] Michael Flynn Pleads Guilty to Lying to the F.B.I. and Will Cooperate With Russia Inquiry[19] Paul Manafort charged with conspiracy against the U.S.[20] https://www.washingtonpost.com/world/national-security/special-counsel-mueller-files-new-charges-in-manafort-gates-case/2018/02/22/7db99c9c-1716-11e8-8b08-027a6ccb38eb_story.html[21] Mueller files new charges against Manafort, Gates[22] Gates cuts a deal, and Manafort hit with new charges in Mueller probe[23] Read the FBI indictment against Paul Manafort and Rick Gates[24] Mueller files new charges against Manafort, Gates[25] Former Trump campaign aide George Papadopoulos pleads guilty to lying to the FBI agents in Mueller probe[26] The Company Michael Cohen Kept — “Trump, Inc.” Podcast — ProPublica[27] https://www.washingtonpost.com/politics/in-fathers-scandal-the-genesis-of-jared-kushners-unflinching-loyalty/2016/11/27/1e9497ba-b378-11e6-840f-e3ebab6bcdd3_story.html?utm_term=.1fefc07a0e69[28] FinCEN Fines Trump Taj Mahal Casino Resort $10 Million for Significant and Long Standing Anti-Money Laundering Violations[29] Trump Taj Mahal casino settles U.S. money laundering claims[30] Trump’s Russian Laundromat[31] Trump building in Panama tied to Russian mafia, international crime: report[32] Sales of Trump properties suggestive of money-laundering: researcher[33] Narco-a-lago: Money Laundering at the Trump Ocean Club, Panama | Global Witness[34] Speier alleges evidence of Trump Organization money laundering[35] Over 20 percent of Trump condos sold in America have the characteristics of possible money laundering[36] Donald Trump and the mansion that no one wanted. Then came a Russian fertilizer king[37] Why did a Russian pay $95M to buy Trump’s Palm Beach mansion?[38] Trump's Panama tower used for money laundering by condo owners, reports say[39] N.Y. attorney general on Trump University: 'This is straight up fraud'[40] Trump University Lawsuits May Not Be Closed After All[41] N.Y. attorney general on Trump University: 'This is straight up fraud'[42] Donald Trump sued for fraud in California and New York[43] Trump accused of tax fraud in Mexico[44] Donald Trump Settled a Real Estate Lawsuit, and a Criminal Case Was Closed[45] The Curious World of Donald Trump’s Private Russian Connections - The American Interest[46] Eric Trump Reportedly Bragged About Access to $100 Million in Russian Money[47] Trump's Been Talking About His Business Interests in Russia for 30 Years[48] There's a theme emerging in Mueller's Russia probe that could prove damning for Trump[49] How Donald Trump made it look like he was bribing the attorney general of Florida[50] New Records Shed Light on Donald Trump’s $25,000 Gift to Florida Official[51] Donald Trump Has Often Donated to Prosecutors Investigating His Business[52] How Ivanka Trump and Donald Trump, Jr., Avoided a Criminal Indictment[53] Manhattan DA Vance Took $10,000 From Head Of Law Firm On Trump Defense Team, Dropped Case[54] Ivanka and Donald Trump Jr. Were Close to Being Charged With Felony Fraud — ProPublica[55] Porn Star Was Reportedly Paid to Stay Quiet About Trump[56] Lawyer paid $130K to adult-film star to keep quiet about alleged Trump sexual encounter: report[57] Donald Trump's Long History With Hush Money[58] Dossier author feared 'Trump blackmail'[59] https://www.usnews.com/news/politics/articles/2018-01-09/senator-releases-text-of-interview-with-fusion-gps-official[60] Dossier author feared 'Trump blackmail'[61] How many times has Trump cheated on his wives? Here's what we know[62] Ivana Trump Recounts The Donald’s Public Affair With Marla Maples[63] Trump says cheating on Ivana with Marla was 'beautiful' in 1994[64] Donald Trump in 1990: Adultery is Not a Sin[65] Trump reportedly paid former porn star $130K for silence after alleged sexual encounter[66] Porn star Stormy Daniels described affair with Donald Trump in 2011 magazine interview[67] National Enquirer Paid to Suppress Story of Trump Cheating on Melania: Report[68] The National Enquirer Covered Up Story of Donald Trump's Extramarital Affair: Report[69] New Report: National Enquirer Paid $150K to Kill a Story About Donald Trump's Affair[70] Exclusive: Trump's 3,500 lawsuits unprecedented for a presidential nominee[71] Ross Cohen's answer to How vindictive is Donald Trump?[72] Trump was a nightmare landlord in the 1980s - a CNNMoney investigation[73] Judge Says Trump Tower Builders Cheated Union on Pension Funds[74] Trump Paid Over $1 Million in Labor Settlement, Documents Reveal[75] Trump Agrees To Pay $750,000 Penalty To Settle Antitrust Lawsuit[76] Trump to Pay $750,000 Fine[77] Donald Trump’s Donation Is His Latest Brush With Campaign Fund Rules[78] Prolific donor Trump, often skirted rules, paid fines[79] Donald Trump’s Donation Is His Latest Brush With Campaign Fund Rules[80] Donors Describe Raising Money For Campaigns[81] Donald Trump’s Donation Is His Latest Brush With Campaign Fund Rules[82] https://www.washingtonpost.com/investigations/trump-swam-in-mob-infested-waters-in-early-years-as-an-nyc-developer/2015/10/16/3c75b918-60a3-11e5-b38e-06883aacba64_story.html?utm_term=.a95075c8b9d7[83] Prolific donor Trump, often skirted rules, paid fines[84] https://www.washingtonpost.com/politics/trump-foundation-apparently-admits-to-violating-ban-on-self-dealing-new-filing-to-irs-shows/2016/11/22/893f6508-b0a9-11e6-8616-52b15787add0_story.html?tid=sm_tw[85] Donald Trump’s company violated the U.S. embargo against Cuba[86] Donald Trump's Tax Returns And The Empty Jewelry Box Scam[87] Trump was once so involved in trying to block an Indian casino that he secretly approved attack ads[88] Decades-Old Housing Discrimination Case Plagues Donald Trump[89] Trump Castle Admits Gaming Law Violation[90] Trump Plaza loses appeal of discrimination penalty[91] Donald Trump’s Worst Deal[92] Tale of Trump and partner in Azerbaijan real estate project[93] Trump Hotel Tied To Criminal Investigation In Brazil[94] https://www.washingtonpost.com/world/asia_pacific/trump-organizations-real-estate-partner-in-india-accused-of-147-million-fraud/2018/03/18/0d7ef1fa-1c0e-11e8-98f5-ceecfa8741b6_story.html?utm_term=.e9970982d338[95] https://www.washingtonpost.com/world/national-security/trump-revealed-highly-classified-information-to-russian-foreign-minister-and-ambassador/2017/05/15/530c172a-3960-11e7-9e48-c4f199710b69_story.html[96] https://www.usnews.com/news/world/articles/2017-05-15/trump-revealed-classified-information-to-lavrov-at-white-house-meeting-washington-post[97] https://www.washingtonpost.com/world/national-security/trump-revealed-highly-classified-information-to-russian-foreign-minister-and-ambassador/2017/05/15/530c172a-3960-11e7-9e48-c4f199710b69_story.html[98] Report: Trump revealed classified information to Russia[99] Trump defends sharing classified intel with Russians: Can he keep a secret? (part 1) - France 24[100] https://www.bloomberg.com/news/articles/2017-05-16/trump-s-disclosures-could-put-foreign-intelligence-ties-at-risk[101] Donald Trump's leak of classified information involved bombs and new batteries[102] Analysis | Trump sharing highly classified information with Russia shows his extreme hubris[103] What About the 19 Women Who Accused Trump of Sexual Misconduct?[104] Here's The List Of Women Who Accused Donald Trump Of Sexual Misconduct[105] These women have accused Trump of sexual harassment[106] The 22 women who have accused Trump of sexual misconduct[107] Donald Trump sexual misconduct allegations - Wikipedia[108] Former Miss Arizona says Donald Trump used to 'stroll in' to see naked women in dressing room[109] A Timeline of Donald Trump's Creepiness While He Owned Miss Universe[110] Former Miss Arizona: Trump ‘just came strolling right in’ on naked contestants[111] Teen Beauty Queens Say Trump Walked In On Them Changing[112] https://www.bostonglobe.com/news/politics/2016/10/12/donald-trump-just-came-strolling-into-dressing-rooms-pageant-contestants-allege/XygxJYhQZr3WeBHlEgGHUP/story.html[113] Donald Trump had a habit of walking into the dressing rooms of teen beauty queens[114] Trump accused of ‘waltzing in’ on naked pageant contestants, some as young as 15[115] Miss USA 2001 contestant: Trump barged into room when we were naked[116] https://www.washingtonpost.com/politics/trump-recorded-having-extremely-lewd-conversation-about-women-in-2005/2016/10/07/3b9ce776-8cb4-11e6-bf8a-3d26847eeed4_story.html[117] Trump lewd video on women: Transcript[118] Donald Trump Access Hollywood tape - Wikipedia[119] Donald Trump's 'P---y' Comment Is the Root of Sexual Violence[120] Billy Bush says there were 8 witnesses to Trump’s ‘Access Hollywood’ comments[121] Trump apologizes for video bragging about groping women[122] Sessions Says Trump Tape Comments Would 'Clearly' Be Sexual Assault[123] In 365 days, President Trump has made 2,140 false or misleading claims[124] Perspective | I study liars. I’ve never seen one like President Trump.[125] Fact check: Here are the biggest whoppers of 2017[126] Kimmel Made a 5-Minute Documentary About All of Trump’s Best Lies[127] Opinion | President Trump’s Lies, the Definitive List[128] Donald Trump's history of lying under oath[129] This Was President Trump's 2,000th Lie in Office[130] My Lawyers Got Trump to Admit 30 Lies Under Oath[131] Trump lies 9 times a day on average lately[132] Trump is on pace to lie 8,000 times by the end of his first term[133] Trump Lies More Than 5 Times a Day - Political Wire[134] The Top 10 Reasons People Are Denied a Security Clearance [134] The Top 10 Reasons People Are Denied a Security Clearance [134] The Top 10 Reasons People Are Denied a Security Clearance [134] The Top 10 Reasons People Are Denied a Security Clearance