As I understand it, when there's a law that says something like "the bank has to report cash transactions over $10K", and you divide all your transactions into

As I understand it, when there's a law that says something like "the bank has to report cash transactions over $10K", and you divide all your transactions into chunks of $9999 to evade it, then there's a law that says you can't do that. Even if every one is at a different bank. While it does seem to involve intent, a lot of laws do. "operatives...who scurry from bank to bank making these structured deposits are known as “smurfs” because, like the little blue cartoon characters, they’re everywhere" https://www.kentucky.com/news/local/crime/article223878770.html https://www.kentucky.com/news/local/crime/article223878770.h...