Informational only. Always verify at FinCEN.gov before making compliance decisions. Last refreshed: 2026-10-14.
“Specific ZIP codes within California, Arizona, New Mexico, and Texas along the U.S.-Mexico border”
Threshold
$3,000
Effective
October 1, 2014
Expires
March 31, 2015
Geography
state
This GTO required money services businesses in specific ZIP codes along the U.S.-Mexico border to collect enhanced customer identification and transaction records for cash transactions of $3,000 or more. It targeted bulk cash smuggling and trade-based money laundering associated with drug trafficking organizations.
Formal Geographic Text (from order)
“Specific ZIP codes within California, Arizona, New Mexico, and Texas along the U.S.-Mexico border”
Specific border ZIP codes only - not entire states. Covers ZIP codes within 100 miles of the U.S.-Mexico border in CA, AZ, NM, and TX.
Who Must Report
Money services businesses (currency dealers/exchangers, check cashers, money transmitters)
What Must Be Reported
Customer identification (name, address, date of birth, ID number) and transaction records for cash transactions of $3,000 or more; file FinCEN Currency Transaction Report (CTR) as applicable
Threshold
$3,000
All-cash transactions at or above
Source Agency
FinCEN
FinCEN order PDF | FinCEN news release
GTO issued targeting MSBs in Southwest border ZIP codes.
GTO expired.
Common questions about this specific GTO, with answers grounded in the official order text.
These answers are for informational purposes only and are grounded in the official FinCEN order text. They do not constitute legal advice.
Analyst Notes
Covered specific ZIP codes, not entire states. Exact ZIP code list was in the order PDF which is no longer publicly available. Border-region MSB GTO targeting drug cartel money laundering.
Geographic Targeting Order - Bexar County, Texas (Real Estate)
$500K threshold
Geographic Targeting Order - Bexar County, Texas (Real Estate) 2024
$300K threshold
Geographic Targeting Order - Harris County, Texas (Real Estate) 2024
$300K threshold
Geographic Targeting Order - Dallas County, Texas (Real Estate) 2024
$300K threshold
Soflo Consulting
We offer risk assessments, AML policy creation, and AML program reviews & gap analysis for businesses operating in FinCEN GTO-covered jurisdictions.
