What type of transaction does NOT require a CTR to be filed?

In the context of Currency Transaction Reports (CTRs), the requirement to file is primarily focused on transactions involving cash that exceed a certain threshold, typically over $10,000 within a single day. Option C, which refers to multiple cash deposits aggregating to $10,000 or less, falls below this threshold and therefore does not necessitate the filing of a CTR.

Transactions that meet or exceed the $10,000 limit, such as check deposits, cash withdrawals, or cash payments for loans, are subject to CTR filing requirements. Therefore, these transactions must be reported to help combat potential money laundering and financial crimes. In contrast, the aggregated amount of cash deposits in option C is significant in determining CTR requirements, as it is explicitly stated to be $10,000 or less, aligning with the regulatory framework that aims to filter out smaller, non-suspicious transactions. This exception is crucial in helping financial institutions manage compliance effectively without being overwhelmed by unnecessary reporting for lower-risk activities.