There is sort of a feedback loop based on the reports you do file, whether the Fed ends up accepting or complaining about them, and also (sadly) news reports.

There is sort of a feedback loop based on the reports you do file, whether the Fed ends up accepting or complaining about them, and also (sadly) news reports. It works OK. Monitoring structuring mostly works fine at larger banks. The problem here is that the IRS doesn't have the same network of analysts and other quality control measures. At a bank, someone can take their money elsewhere and be held liable. The IRS has a smaller budget and much less incentives (very hard to switch governments) and so there's a failure.