Financial Crimes Enforcement Network
FinCEN CTR XML Schema User Guide (Version 1.8 | August 2021) 88
System.
10. Addresses. For addresses in the U.S., Canada, or Mexico enter the permanent street address, city, two or three
letter state/territory/province abbreviation or code, ZIP Code or foreign postal code, and two-letter country code.
Provide the apartment number or suite number, if known, following the street address. A non-location address
such as a post office box or rural route number should be used only if no other street address information is
available. ZIP Codes must be five or nine digits. ZIP Codes and foreign postal codes must be entered without
formatting or special characters such as spaces or hyphens. For example, the ZIP Code 12345-6120 would be
entered as 123456120. The foreign postal code HKW 702 would be entered HKW702. When an address is in a
U.S. Territory the territory code must be entered in the state and country fields. For other foreign addresses enter
the street address, city, postal code, and two letter country code or address equivalents. Leave the state item
blank, including the “Unknown box” when provided. If a foreign address contains address information that does
not conform to the FinCEN CTR address format, record equivalent address information in the FinCEN CTR address
items (except state) and ignore non-conforming data. Complete any address item that is known, even if the
entire address is not known. No abbreviations are permitted in city names, which must be completely spelled
out. A U.S. city name must match the city name used by the U.S. Postal Service for the associated state and ZIP
Code. U.S. State codes must conform to the codes used by the United States Postal Service as documented in
ISO 3166-2:US. Canadian province and territory codes must conform to the codes used by the Canadian Post
Corporation as documented in ISO 3166-2:CA. Mexican state and federal district codes must conform to ISO
3166-2:MX. Country codes and U.S. Territory Codes must conform to the codes documented in ISO 3166-2. The
ISO lists are available through the International Standards Organization. NOTE: The ISO 3166-2 country list
contains the code “UM” that stands for the United State Minor Outlying Islands. Using “UM” in country fields is
prohibited. These islands are uninhabited. As such they have no addresses.
11. Telephone numbers. Record all telephone numbers, both foreign and domestic, as a single number string
without formatting or special characters such as parentheses, spaces, or hyphens. For example, a number in the
format (NNN) NNN-NNNN would be recorded as NNNNNNNNNN. If known, provide the telephone extension
number in the associated field. Telephone numbers that are part of the North American Numbering Plan used by
the U.S., Canada, many Caribbean countries, and present/former U.S. Pacific island protectorates must be a 10-
number entry consisting only of an area code and seven-digit telephone number. Other foreign telephone
numbers should include the country number code. If only a partial telephone number is known, record that
number in the phone number item.
12. Identifying numbers. Enter all identifying numbers as a single alpha/numeric text string without formatting such
as spaces or special characters such as hyphens or periods. An identifying number in the format NNN-NN-NNNN
would be entered as NNNNNNNNN. Such numbers may include letter and number characters. Common
identifying numbers include account numbers, alien registration numbers, driver’s license and state identification
numbers, Employer Identification Numbers (EIN), passport numbers, Social Security Numbers (SSN), and industry
specific identifiers such as National Futures Association (NFA) numbers and Central Registration Depository (CRD)
numbers. Do not include characters that are not part of the actual identifying number. For example, account
number entries must consist only of the account number numeric characters as recorded on checks, account
statements, credit bureau reports, etc. Additional characters such as special characters, leading zeros, prefixes,
and suffixes appended to account numbers for internal financial institution purposes are prohibited.
13. Monetary amounts. Record all U.S. Dollar amounts rounded up to the next whole dollar. The amount $15,265.25
would be recorded as $15,266. A foreign currency amount can only be recorded in Item 26 “Foreign cash in” or
Item 28 “Foreign cash out,” again rounded up to the next whole amount. When converting a foreign currency to
dollars use an exchange rate for the date of the transaction.
14. Determining whether transactions meet the reporting threshold. Only cash transactions that, if alone or
when aggregated, exceed $10,000 should be reported on the FinCEN CTR. Transactions shall not be offset
against one another. A corrected FinCEN CTR can be filed on an amount below the reporting threshold in cases
where the prior FinCEN CTR’s total cash in or total cash out was incorrect and the actual amount was below the
threshold. A filer can use the discrete FinCEN CTR if the filer’s batch-file reporting system will not allow such a