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In forceSuspicious activity and currency reportingLast checked 13 November 2026

Suspicious Activity Report (FinCEN SAR, Form 111)

A regulatory return listed by the Financial Crimes Enforcement Network (FinCEN), United States.

A report a financial institution files when it detects a transaction or pattern it suspects involves money laundering, a violation of law, or other financial crime. It is the core Bank Secrecy Act report used by law enforcement. Source

Official title: FinCEN Suspicious Activity Report (SAR), FinCEN Form 111

The facts

Who files
Banks and other financial institutions subject to the Bank Secrecy Act's suspicious activity reporting rules. Source
How often
Filed whenever a reportable suspicious transaction or pattern is identified; no fixed calendar schedule. Source
Deadline
Not stated in exact day-count detail on the pages read (the general BSA rule, found elsewhere, is within 30 calendar days of detection, extendable to 60 days if no suspect is identified; this specific figure was not confirmed on a fincen.gov page read this round). Source
Format
Web form, XML. Filed as a single (discrete) report or in XML batch files built to FinCEN's technical specifications, through the BSA E-Filing System. Source
How it is filed
Filing routes recorded for the FinCEN: BSA E-Filing System; CBP Electronic CMIR; BOI E-Filing System. See how firms file with the FinCEN.
Status
In force
Legal basis
Group
Suspicious activity and currency reporting

Templates (0)

The library lists no templates for this return.

A single form with critical and non-critical items; not divided into named schedules on the pages read. Source

Validation rules

The FinCEN publishes the checks it runs on this return. They could not be counted from the published material. They are written for people to read; software cannot run them as published. Source

FinCEN marks each Item on the SAR as critical (an asterisk) or non-critical for technical filing purposes; critical Items must be completed or the 'Unknown' box checked, or the BSA E-Filing System will not accept the filing. No separate, published business-rule catalogue beyond this critical/non-critical marking was found.

The rules, on fincen.gov

Counts are in the FinCEN's own unit, so they are not comparable with other regulators' counts.

Public data

No published data from this return was found. SAR data is confidential by statute and was not found published, even in aggregate, on the pages read. Source

Official documents (2)

The FinCEN's own files, with the size and SHA-256 fingerprint of each as downloaded on 13 November 2026, so anyone can tell whether a copy is the same version.

Sources

Every page and document this return's facts were read from.

Knowing exactly what is collected, in what format and under which rules is the first step to real-time supervision. Line4 builds SupTech software for financial regulators that runs checks like these as each return arrives.

Line4's own text, and the way Line4 has collected and arranged these records, are free to reuse under CC BY 4.0. Please credit: “Source: Line4 regulatory submissions library (CC BY 4.0), https://www.line4.ai”. The facts themselves belong to no one. The regulators' document titles, template names, quoted terms and documents belong to them and are not covered by this licence: see FinCEN's reuse terms. This describes what regulators publish. It is not legal or regulatory advice: always rely on the regulator's own text. Not affiliated with or endorsed by any regulator.

Last checked 13 November 2026.