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問題:

      

家中老父賣了北京一套房子。他想買股票怕風險又找不到其他滿意的投資去處，我就給我爸寫了一張借條出利息借過來買投資房了。錢是國內親友每人五萬打過來的，剛才接到銀行電話問我錢的來源是什麽，我說是借父親的，他又問父親錢是哪來的我說是他賣了一套房子。銀行讓我把賣房合同給他們看看。大家幫著分析一下這個過程有什麽不對嗎？我爸賣房合同我都沒看到怎麽要給他們看呢？請大家費心了。謝謝


是否需要提供任何資料給銀行,簡單的說明如下,為例銀行會追究錢的來源,請見下麵的資料

https://en.wikipedia.org/wiki/Bank_Secrecy_Act


美國司法部為於銀行的職責的規定 (洗錢的部份)

https://www.justice.gov/usam/usam-9-105000-money-laundering

As long as 你完成下列程序,你無需憂慮

 

Individual filing requirement

U.S. citizens must file the FBAR if they have a financial interest in, or authority over, foreign bank accounts or "foreign financial account" that have an aggregate value of $10,000 at any point in a year Additionally, they must report the accounts on Schedule B of the Form 1040 tax form. The FBAR should be filed separately with the U.S. Treasury by June 30 of each year.

如果你有問題,請參考這個資料

https://www.fincen.gov/financial_institutions/msb/materials/en/bank_reference.html

你的銀行之所以會這麼做是因為

Suspicious Activity Reporting Requirements

Certain money services businesses – businesses that provide money transfers or currency dealing or exchange; or businesses that issue, sell, or redeem money orders or traveler’s checks – must report suspicious activity involving any transaction or pattern of transactions at or above a certain amount:

• $2,000 or more;
• $5,000 or more for issuers reviewing clearance records.

You have 30 calendar days to file a SAR after becoming aware of any suspicious transaction that is required to be reported.