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Types of FIC Reports

Cash Transaction Report (CTR) – This report is a mandatory daily report submitted by Accountable Institutions or professions that receive cash as a form of transaction. The Anti- Money Laundering Act, 2020 (Act 1044) has empowered the Centre to set thresholds for various sectors and professions. For instance, a threshold of GH¢50,000.00 has been set for the banking and securities sectors. This means that any deposit or withdrawal amounting to GH¢50,000.00 or more is reported to the Centre and kept in the database for monitoring purposes.


Suspicious Transaction Report (STR) – This is a report filed by Accountable Institutions within twenty-four hours upon the grounds of suspicion of particular transaction. There is no threshold for reporting suspicious activity or transaction. For instance, a financial institution may observe a daily deposit of GH¢100.00 onto a customer’s account without any reasonable economic purpose and upon forming a suspicion, file a suspicious transaction report to the Centre.


Currency Declaration Report (CDR) – This report is a compilation of currencies declared at the various entry points in the country. These entry points include airports and land borders. The review of the Currency Declaration Reports enables the Centre to monitor the trends of cross-border activity and also the movement of cash both around the globe and within the region.


Electronic Currency Transaction Report (ECTR) – This report is filed by commercial banks only. All inward and outward transfers exceeding US$1000.00 are reported to the Centre for monitoring purposes.




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