Structuring is illegal.

• A. True
• B. False
• C. Only if the source or use of funds is illegal
• D. Not specified

Answer: (A)

Structuring is the deliberate act of breaking up a large transaction into smaller ones to stay under reporting thresholds. The purpose is to avoid triggering currency transaction reports and the scrutiny that comes with them. Because the crime lies in evading the reporting system, the act is illegal even if the funds themselves are legitimate. The law targets the concealment and evasion, not just the source of the funds. So the statement is true: structuring is illegal. It isn’t dependent on the funds being illegitimate, and it isn’t a matter of not specified.