A CTR form includes which of the following details?

• A. The CTR form lists the transaction purpose
• B. The CTR form lists who conducted the cash transaction, who benefits, and account information
• C. The CTR form includes a narrative
• D. The CTR form lists the bank's internal routing code

Answer: (B)

In a Currency Transaction Report, the focus is on who is involved in large cash movements and how those funds relate to accounts. The form captures who physically conducts the cash transaction, who ultimately benefits from it (the person on whose behalf the transaction is made or the beneficial owner), and the relevant account information to link the activity to specific accounts. This combination lets investigators see who is driving the cash flow and which accounts are affected, helping to detect patterns that could indicate money laundering or structuring. The CTR does not require a freeform narrative about the transaction’s purpose, and while identifying details of the financial institution are included, the key elements are those about the individuals involved and the associated accounts.