有兩個triggers

一個是一萬塊或以上，銀行需報告：

Under the Bank Secrecy Act (BSA) of 1970, financial institutions are required to report certain transactions to the IRS. This includes wire transfers over $10,000, which are subject to reporting under the Currency and Foreign Transactions Reporting Act (31 U.S.C. 5311 et seq.).

Financial institutions must file a Currency Transaction Report (CTR) for any transaction over $10,000. The CTR includes information about the person initiating the transaction, the recipient, and the nature of the transaction. The purpose of this requirement is to prevent money laundering and other criminal activity.

另一個是收禮人十萬塊或以上需報告：

You are required to report the receipt of foreign gifts or bequests only if the applicable threshold is exceeded. For purposes of determining the reporting thresholds, you must aggregate gifts received from related parties. See the Instructions to Part IV of Form 3520 for more information; see also Section VI of Notice 97-34PDF.

• For gifts or bequests from a nonresident alien or foreign estate, you are required to report the receipt of such gifts or bequests only if the aggregate amount received from that nonresident alien or foreign estate exceeds $100,000 during the taxable year. If the gifts or bequests exceed $100,000, you must separately identify each gift in excess of $5,000.

總結：外國來的大筆錢如果是wire transfer, 極其麻煩。拋開國內對匯款的嚴控不說。

所有跟帖： 

• wire transfer 不麻煩，麻袋裝現金搬來搬去才麻煩 -slow_quick- ♂ (0 bytes) () 12/15/2023 postreply 07:17:12