FinCEN GTO Notification
Alerts for Compliance Teams
Geographic Targeting Order alerts delivered to your inbox every Monday. Know the moment FinCEN issues, renews, or expires a GTO in your area - before your next transaction closes.
New GTO Orders
Instant alert when FinCEN issues a new Geographic Targeting Order anywhere in the U.S.
Renewals and Extensions
Know when existing GTOs are renewed or extended before they expire.
Expiration Tracking
Track when active GTOs expire so you can update your compliance program.
Weekly Digest
Every Monday: a full summary of all GTO changes from the prior week.
Get Free GTO Alerts
Weekly digest every Monday. Instant alerts for new orders. No spam, ever.
Covers all 50 states and U.S. territories
Sourced directly from FinCEN.gov official orders
Used by title companies, MSBs, and AML consultants
From FinCEN to Your Inbox
Every Geographic Targeting Order alert goes through a four-step verification process before it reaches you.
FinCEN Issues or Updates a GTO
The Financial Crimes Enforcement Network publishes Geographic Targeting Orders through the Federal Register and FinCEN.gov. Orders can be issued, renewed, modified, or expired at any time.
We Monitor Every Monday
Our compliance team reviews FinCEN.gov, the Federal Register, and official FinCEN news releases every Monday morning to capture any changes to the GTO dataset.
Dataset Updated and Verified
Every GTO record is verified against the primary source URL. Link health is checked, expiration dates are confirmed, and new orders are added with full metadata.
Alert Sent to Your Inbox
You receive a clean, plain-English digest summarizing what changed: new orders, renewals, expirations, and threshold changes. No noise, just what matters.
If a GTO Covers Your Industry,
You Need to Know About It
View GTO Map Title Companies and Settlement Agents
High risk if missedGTOs directly govern reporting obligations at closing. Historically, FinCEN's residential real estate GTOs (which expired February 28, 2026) required title insurance companies to file a FinCEN Currency Transaction Report (CTR), often within a 30-day window. Missing a GTO reporting requirement is a BSA violation.
Money Services Businesses (MSBs)
High risk if missedSouthwest Border GTOs require MSBs in covered ZIP codes to file CTRs for cash transactions of $1,000 or more, but not more than $10,000. Coverage is defined by a business's listed ZIP code, so a reissue can add or remove your ZIP with limited notice. Always confirm against the current order.
Real Estate Attorneys and Brokers
Moderate riskIf you handle all-cash residential closings involving legal entities, you need to know when a GTO covers your jurisdiction. The nationwide RRE rule was set to take effect March 1, 2026, but was vacated on March 19, 2026 by the U.S. District Court for the Eastern District of Texas (Flowers Title Companies v. Bessent). Monitor FinCEN.gov/rre for reinstatement updates.
AML Compliance Officers
Program update requiredYour AML program must reflect current GTO requirements. When a GTO is issued or renewed, your policies, procedures, and training materials may need to be updated before the effective date.
Banks and Credit Unions
Active GTO appliesThe Minnesota Government Benefits Fraud GTO (renewed August 11, 2026; active through February 6, 2027) requires depository institutions in Hennepin and Ramsey counties to report outbound international transfers of $3,000 or more.
AML Consultants and Advisors
Client advisory dutyYour clients rely on you to know when new GTOs affect their operations. A weekly GTO digest keeps you ahead of every renewal, expiration, and new order across all industries and jurisdictions.
Active GTOs Right Now
These are the Geographic Targeting Orders currently in effect. Subscribe to get notified the moment any of these change.
NM, TX
Geographic Targeting Order - Southwest Border Money Services Businesses (September 2026)
FinCEN reissued the Southwest Border MSB Geographic Targeting Order, signed September 2, 2026 and published September 4, 2026 (91 FR 56776). It is effective September 3, 2026 through March 1, 2027. Covered businesses must report cash transactions of $1,000 or more, but not more than $10,000, on a Currency Transaction Report within 30 days. Coverage is limited to listed ZIP codes in five Texas counties (Cameron, El Paso, Hidalgo, Maverick, Webb) and three New Mexico counties (Bernalillo, Doña Ana, San Juan). Arizona and California are NOT covered by this reissue. MSBs that were not covered businesses under the March 10, 2026 order have a compliance date of October 3, 2026. The order preserves the existing injunction exception, so MSBs that courts have enjoined the government from reaching under the March 14, 2025 order (90 FR 12106) remain exempt while that injunction is in force.
MN
Geographic Targeting Order - Minnesota Government Benefits Fraud (Renewed August 2026)
This ACTIVE GTO (February 12, 2026 - February 6, 2027, renewed August 11, 2026; 91 FR 51588) requires banks, credit unions, and money transmitters with a physical presence in Hennepin County (Minneapolis) and Ramsey County (St. Paul) to report outbound international funds transfers of $3,000 or more. It targets government benefits fraud - specifically child nutrition program funds being laundered internationally. FinCEN renewed the order on August 11, 2026 to continue combating fraud schemes that have cost Minnesota potentially billions of dollars, with a portion laundered overseas. Secretary Bessent described this as the "genesis for a national rollout" to combat federal program fraud.
FinCEN Renews Minnesota GTO — Full Breakdown of the Fraud Schemes, Compliance Obligations, and What It Means for Your Institution
Why this GTO is different from real estate GTOs, the staggering scale of government benefits fraud in Minnesota, and practical compliance steps for covered financial institutions and money services businesses.
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Frequently Asked Questions
Everything you need to know about FinCEN Geographic Targeting Orders and our alert service.
A Geographic Targeting Order (GTO) is a temporary order issued by the Financial Crimes Enforcement Network (FinCEN) under the Bank Secrecy Act (BSA). GTOs impose enhanced recordkeeping and reporting requirements on specific businesses in defined geographic areas. They are used to combat money laundering, drug trafficking proceeds, and other financial crimes in high-risk markets.
Never Miss a FinCEN GTO Again
Join compliance officers, title agents, MSB operators, and AML consultants who rely on our weekly GTO digest to stay current with every FinCEN Geographic Targeting Order.