when does a ctr have to be filed?
A completed BCTR must be electronically filed with FinCEN within 15 calendar days after the date of the transaction. The bank must retain copies of CTRs for five years from the date of the report (31 CFR 1010.306(a)(2)). The bank can retain hard copies or copies in electronic format. Refer to Appendix T for additional information on filing through the BSA E-Filing System.