US Travel Rule (Bank Secrecy Act)

The US Bank Secrecy Act rule that requires financial institutions to pass sender and recipient details with transfers of $3,000 or more.

Source

31 CFR 1010.410(f); FinCEN guidance FIN-2019-G001

Last reviewed

October 16, 2026

The US version of the Travel Rule comes from FinCEN's recordkeeping rules under the Bank Secrecy Act. Banks and non-bank financial institutions, including money services businesses, must include information about the sender and recipient when they transmit $3,000 or more. FinCEN has confirmed that this applies to transfers of convertible virtual currency.

The threshold is higher than the EU's, where the Transfer of Funds Regulation sets none for transfers between providers. A US firm sending crypto to an EU counterparty may therefore receive Travel Rule requests on transfers it would not flag at home.

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