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

A Currency Transaction Report (CTR) is required for various cash transactions exceeding $10,000 or any situations where aggregated cash transactions within a single business day total more than $10,000. The correct choice indicates a scenario where the total amount does not reach this threshold.

Multiple cash deposits aggregating to $10,000 or less do not trigger the requirement for a CTR. This is because the regulatory focus is on individual transactions or total daily transactions that surpass the $10,000 mark, emphasizing the accountability of larger sums that may be indicative of money laundering activities. Therefore, if the individual cash deposits remain at or below the $10,000 limit collectively, there is no need for the financial institution to file a CTR for those transactions.

In contrast, other choices involve transactions that exceed the $10,000 limit, hence they necessitate the filing of a CTR for compliance with anti-money laundering regulations. Understanding this threshold is crucial for recognizing which transactions are subject to reporting requirements under the Bank Secrecy Act.