Which of the following describes the initial SAR filing deadline?

• A. 30 days from the date of initial detection
• B. 15 days from the date of initial detection
• C. 60 days from the date of initial detection
• D. 90 days from the date of initial detection

Answer: (A)

The date that matters is when you first detect facts that may indicate suspicious activity. The clock starts then, and you must file the SAR within 30 calendar days from that initial detection date. This requirement keeps reporting timely so authorities can begin their work promptly. For example, if you first notice suspicious activity on January 10, you should file by February 9. The other intervals (15, 60, or 90 days) don’t align with the standard reporting rule for the initial filing.