Module 3: Large Cash Transaction Report specifications : Batch reporting to FINTRAC
Updated on October 23, 2023
From: Financial Transactions and Reports Analysis Centre of Canada (FINTRAC)
These specifications are available for reporting entities to be able to submit and change previously submitted Large Cash Transaction Reports through batch reporting for transactions that are dated before November 6, 2023.
Important change as of November 6, 2023
Reporting entities must submit or change Large Cash Transaction Reports for transactions that have occurred as of November 6, 2023 or later through the FINTRAC API report submission.
Version 3.4.2
Includes specifications for Large Cash Transaction Reports (LCTR)
5.2.2 Detailed specification layout (Format version 03) — Large Cash Transaction Report
The following specifications outline the format for Large Cash Transaction Reports (LCTR) included in a batch, based on batch report format version "03".
Changes to this module are editorial revisions only. There are no legislative changes or changes in format.
Any report parts that are not applicable do not need to be included. However, all fields in each applicable part must be included, unless you are deleting a report (as explained in Section 3.4 and Part A below). If any fields in applicable parts have no data, pad those fields with spaces or zeros according to the required field format.
For additional information about Large Cash Transaction Report fields, refer to:
The layout for each LCTR report will be as follows, with all the parts of each transaction together:
- Part A
- Transaction 1
- Transaction 2, etc. (if there is more than one transaction to include in the report)
You can choose either of the following layouts for the parts of each transaction in your LCTR reports:
- Part B1, Part B2, Part D or E, if applicable, and any of Parts C, F or G that are applicable; or
- Part B1, Part B2, Part C if applicable, Part F or G if applicable, and Part D or E if applicable.
Note: If the LCTR transaction involved a business account and was a night deposit or a quick drop, Parts D, E, F and G do not apply to the report for that transaction.
An LCTR should only contain one transaction, unless it is about two or more cash transactions of less than $10,000 made within 24 consecutive hours of each other that total $10,000 or more.
Field No. | Field Name | Format | Comment |
---|---|---|---|
± |
Part ID |
X(2) |
“A1” |
± |
Report sequence number |
9(5)RJZ |
Report sequence number within the preceding sub-header |
± |
Reporting entity report reference number |
X(20)LJ |
A unique report reference number is required for each report submitted from the same reporting entity. |
± |
Action code |
X(1) |
If you are submitting a new batch (batch type “A”), enter “A” to indicate there is no change or deletion as this is a new report. |
*1 |
Reporting entity's identifier number |
9(7)RJZ |
Enter your seven-digit identifier number assigned to you by FINTRAC at enrolment. For more information about this, contact your F2R administrator. |
*1A |
Reporting entity's location number |
X(15)LJ |
This represents information about where the transaction took place. Location numbers are assigned during the FINTRAC enrolment process and maintained by your F2R administrator. For more information about this, contact your F2R administrator. |
*7 |
Contact's surname |
X(20)LJ |
Enter the surname of the individual FINTRAC can contact for clarification about this report. |
*8 |
Contact's given name |
X(15)LJ |
Enter the given name of the individual FINTRAC can contact for clarification about this report. |
9 |
Contact's other name/initial |
X(10)LJ |
Enter the middle initial or other name of the individual FINTRAC can contact for clarification about this report. |
*10 |
Contact person telephone number |
X(20)LJ |
Enter the telephone number of the individual FINTRAC can contact for clarification. Include the extension in field A10A if applicable. |
10A |
Contact person telephone extension number |
9(10)RJZ |
Enter the telephone extension number, if available. |
*11 |
Type of reporting entity |
X(1)LJ |
Enter the appropriate code to indicate the type of activity applicable to the transaction that took place.
This field is mandatory. If it is not included, the report will be rejected. |
±12 |
24-hour rule indicator |
9(1) |
If the transaction being reported is of $10,000 or more, enter This field is required. If it is invalid, the report will be rejected. |
Total characters in Part A: 127 - Each LCTR must include Part A.
Field No. | Field Name | Format | Comment |
---|---|---|---|
± |
Part ID |
X(2) |
“B1” |
± |
Part sequence number |
9(2)RJZ |
Sequence number of the reportable transaction included in the report, beginning at 01, to a maximum of 99. |
*1 |
Date of transaction |
X(8)LJ |
Enter the date of the large cash transaction. |
2 |
Time of transaction |
X(6)LJ |
Enter the time of the large cash transaction. |
*3 |
Night deposit or quick drop indicator |
9(1) |
If the transaction was a night deposit enter a “1” in this field. If it was a quick drop, enter a “3”. Otherwise, enter “0”or “9”. |
*4 |
Date of posting |
X(8)LJ |
Enter the date the transaction cleared, if this differs from the date of the transaction provided above. Date must be no earlier than the coming into force date of January 31, 2003, and must be before November 6, 2023 for this report type. It cannot be a future date and must be the same as or later than the transaction date. |
*5 |
Amount of transaction |
X(15)d |
Enter the total of funds involved in the transaction, including two decimal places. This is the total amount received to start the transaction. What happens to that total will be explained in Part B2 as one or more dispositions. If this amount was not in Canadian funds, you do not have to convert it but provide the currency information in field B6. |
*6 |
Transaction currency |
X(3)LJ |
Enter the currency of the transaction, even if it was in Canadian funds. Refer to the currency code table in the technical documentation area of the Publications page on FINTRAC's Web site. |
*7 |
How the transaction was conducted |
X(1)LJ |
Enter the appropriate code to indicate how the transaction was conducted. If the selections provided do not cover this particular transaction, indicate “Other” and provide details in field B7A.
This field is mandatory. If it is not included, the report will be rejected. |
7A |
Other description |
X(20)LJ |
Provide a description of “Other” as explained above. This field is required if code “G” is entered in field B7. |
Total characters in Part B1: 66 - Each LCTR must include Part B1.
Field No. | Field Name | Format | Comment |
---|---|---|---|
± |
Part ID |
X(2) |
“B2” |
± |
Part sequence number |
9(2)RJZ |
Sequence number of the disposition beginning at 01. |
*8 |
Disposition of funds |
X(1)LJ |
Enter the appropriate code to indicate what happened to the funds involved in the transaction. If the selections provided do not cover this particular disposition, indicate “Other” and provide details in field B8A.
This field is mandatory. If it is not included, the report will be rejected. |
8A |
Other description |
X(20)LJ |
Provide a description of “Other” as explained above. This field is required if code “L” is entered in field B8. |
8B |
Life insurance policy number |
X(30)LJ |
Provide life insurance policy number if disposition was a “Life insurance policy purchase or deposit”. This field is required if code “H” is entered in field B8. |
*9 |
Amount of disposition |
X(15)d |
Enter the amount of funds involved in the disposition, including two decimal places. If the amount was not in Canadian funds, you do not have to convert it but provide the currency information in field B10. |
*10 |
Disposition currency |
X(3)LJ |
Enter the currency of the disposition, even if it was in Canadian funds. Refer to the currency code table in the technical documentation area of the Publications page on FINTRAC's Web site. |
*11 |
Other institution name and number or other person or entity |
X(35)LJ |
This is for additional information about the funds described in field B8. Provide the name including the identification number if applicable of any other institution involved in the disposition or provide the name of any other person or entity involved in the disposition. |
*12 |
Other person or entity account or policy number |
X(30)LJ |
This is for additional information about the funds described in field B8. Provide the account number if applicable of any other person or entity involved in the disposition. Also provide any policy number related to the other person or entity, if applicable. |
±13 |
On behalf of indicator |
X(1)LJ |
Enter the appropriate code to indicate on whose behalf the disposition of funds is made.
This field is required. If it is invalid, the report will be rejected. If you need to access this report in F2R, as explained in Section 3.4.2, this information will be at the top of Part B2 (above field 8). |
Total characters in Part B2: 139 - Each LCTR must include Part B2.
Field No. | Field Name | Format | Comment |
---|---|---|---|
± |
Part ID |
X(2) |
“C1” |
± |
Part sequence number |
9(2)RJZ |
Sequence number of the account information related to the disposition of funds (must match the part sequence number of the corresponding disposition in Part B2). |
*1 |
Branch or transit number where account held |
X(12)LJ |
Enter the branch number, transit number, or other appropriate identifying number of the entity where the relevant account is held, when applicable to the transaction. |
*2 |
Account number |
X(30)LJ |
Enter the number of the relevant account. |
*3 |
Account type |
X(1)LJ |
Enter the appropriate code to indicate the type of the relevant account. If the selections do not cover this particular account, indicate “Other” and provide details in field C3A.
This field is mandatory if this part is applicable. If the disposition of funds in field B8 is Code “A” (deposit to an account), and this part is not included, the report will be rejected. |
3A |
Other description |
X(20)LJ |
Provide a description of “Other” as explained above. This field is required if “D” is entered in field C3. |
*4 |
Account currency |
X(3)LJ |
Enter the type of currency for the relevant account. Refer to the currency code table in the technical documentation area of the Publications page on FINTRAC's Web site. |
*5A |
Account holder 1 |
X(45)LJ |
Enter the full name of each account holder, up to three. If there are more than three, you need not provide more. |
*5B |
Account holder 2 |
X(45)LJ |
Enter the full name of each account holder, up to three. If there are more than three, you need not provide more. |
*5C |
Account holder 3 |
X(45)LJ |
Enter the full name of each account holder, up to three. If there are more than three, you need not provide more. |
Total characters in Part C: 205 - If a transaction was not related to an account, do not include Part C in the report for that transaction.
Field No. | Field Name | Format | Comment |
---|---|---|---|
± |
Part ID |
X(2) |
“D1” |
± |
Part sequence number |
9(2)RJZ |
Sequence number of the individual conducting the transaction (must match the part sequence number of the corresponding transaction in Part B1). |
*1 |
Surname |
X(20)LJ |
Enter the last name of the individual who conducted the transaction. |
*2 |
Given name |
X(15)LJ |
Enter the first name of the individual who conducted the transaction. |
3 |
Other name/initial |
X(10)LJ |
Enter the middle initial or other name (if applicable) of the individual who conducted the transaction. |
*4 |
Entity client number |
X(12)LJ |
Enter the client number issued to the individual who conducted the transaction, if applicable. |
*5 |
Street address |
X(30)LJ |
Enter the civic address of the individual who conducted the transaction. |
*6 |
City |
X(25)LJ |
Enter the town or city of the individual who conducted the transaction. |
*7 |
Country |
X(2)LJ |
Enter the country of the individual who conducted the transaction. |
*8 |
Province/State |
X(20)LJ |
Enter the province or state of the individual who conducted the transaction. |
*9 |
Postal/zip code |
X(9)LJ |
Enter the postal or zip code of the individual who conducted the transaction. |
10 |
Country of residence |
X(2)LJ |
Enter the country of permanent residence of the individual who conducted the transaction. Refer to the country code table in the technical documentation area of the Publications page on FINTRAC's Web site. |
11 |
Home telephone number |
X(20)LJ |
Enter the home telephone number of the individual who conducted the transaction. |
*12 |
Individual's identifier |
X(1)LJ |
Enter the appropriate code to indicate the document used to identify the individual who conducted the transaction. If the selections provided do not cover the identifier used, indicate “Other” and provide details in field D12A.
This field is mandatory if this part is applicable. If this part is applicable, and it is not included, the report will be rejected. If the 24-hour rule indicator (“1”) is entered in field A12 and, because of this, information for field D12 was not obtained at the time of the transaction (and is not available from your records), you can space-fill this field. |
12A |
Other description |
X(20)LJ |
Provide a description of “Other” as explained above. |
*13 |
ID number |
X(20)LJ |
Enter the number of the document described in field D12 or D12A that was used to identify the individual who conducted the transaction. |
*14 |
Country of issue |
X(2)LJ |
Enter the country of issue of the document used to identify the individual who conducted the transaction. |
*15 |
Province/State of issue |
X(20)LJ |
Enter the province or state of issue of the document used to identify the individual who conducted the transaction. |
*16 |
Individual's date of birth |
X(8)LJ |
Enter the date of birth of the individual who conducted the transaction. |
*17 |
Individual's occupation |
X(30)LJ |
Enter the occupation of the individual who conducted the transaction. |
18 |
Individual's business telephone number |
X(20)LJ |
Enter the business telephone number of the individual who conducted the transaction. |
18A |
Individual's business telephone extension number |
9(10)RJZ |
Enter the telephone extension number, if available. |
Total characters in Part D: 300 - Each LCTR transaction must include either Part D or Part E, unless the transaction was a night deposit or a quick drop to a business account (in this case, neither Part D nor Part E is required).
Field No. | Field Name | Format | Comment |
---|---|---|---|
± |
Part ID |
X(2) |
“E1” |
± |
Part Sequence Number |
9(2)RJZ |
Sequence number of the individual conducting the transaction (must match the part sequence number of the corresponding transaction in Part B1). |
*1 |
Surname |
X(20)LJ |
Enter the last name of the individual who conducted the transaction. Field E1 is mandatory if this part is applicable. If this part is applicable, and it is not included, the report will be rejected. If the 24-hour rule indicator (“1”) is entered in field A12 and, because of this, information for field E1 was not obtained at the time of the transaction (and is not available from your records), you can space-fill this field. |
*2 |
Given name |
X(15)LJ |
Enter the first name of the individual who conducted the transaction. |
3 |
Other name/initial |
X(10)LJ |
Enter the middle initial or other name (if applicable) of the individual who conducted the transaction. |
Total characters in Part E: 49 - Each LCTR transaction must include either Part D or Part E, unless the transaction was a night deposit or a quick drop to a business account (in this case, neither Part D nor Part E is required).
Field No. | Field Name | Format | Comment |
---|---|---|---|
± |
Part ID |
X(2) |
“F1” |
± |
Part sequence number |
9(2)RJZ |
Sequence number of the “on behalf of an entity” information related to the disposition of funds (must match the part sequence number of the corresponding disposition in Part B2). |
*1 |
Corporation, trust or other entity name |
X(35)LJ |
Enter the full name of corporation or other entity on whose behalf the transaction was conducted. |
*2 |
Type of business |
X(20)LJ |
Describe the type of business for the entity on whose behalf the transaction was conducted. |
*3 |
Street address |
X(30)LJ |
Enter the civic address of the entity on whose behalf the transaction was conducted. |
*4 |
City |
X(25)LJ |
Enter the town or city of the entity on whose behalf the transaction was conducted. |
*5 |
Country |
X(2)LJ |
Enter the country of the entity on whose behalf the transaction was conducted. |
*6 |
Province/State |
X(20)LJ |
Enter the province or state of the entity on whose behalf the transaction was conducted. |
*7 |
Postal/zip code |
X(9)LJ |
Enter the postal or zip code of the entity on whose behalf the transaction was conducted. |
8 |
Business telephone number |
X(20)LJ |
Enter the telephone number of the entity on whose behalf the transaction was conducted. |
8A |
Business telephone number extension |
9(10)RJZ |
Enter the telephone extension number, if available. |
*9 |
Incorporation number |
X(14)LJ |
Enter the incorporation number if the entity is a corporation. |
*10 |
Country of issue |
X(2)LJ |
Provide the country of issue of the incorporation number of the entity on whose behalf the transaction was conducted (if it was a corporation). |
*11 |
Province/State of issue |
X(20)LJ |
Provide the province or state of issue of the incorporation number of the entity on whose behalf the transaction was conducted (if it was a corporation). |
12A |
Individuals authorized to bind the entity or act with respect to the account Individual's name 1 |
X(35)LJ |
Provide the name of an individual who is authorized to bind the entity or act with respect to the account. |
12B |
Individuals authorized to bind the entity or act with respect to the account Individual's name 2 |
X(35)LJ |
Provide the name of an individual who is authorized to bind the entity or act with respect to the account. |
12C |
Individuals authorized to bind the entity or act with respect to the account Individual's name 3 |
X(35)LJ |
Provide the name of an individual who is authorized to bind the entity or act with respect to the account. |
Total characters in Part F: 316 - Do not include Part F in the report for a transaction if it was not conducted on behalf of an entity or if an employee deposited cash in his or her employer's business account.
Field No. | Field Name | Format | Comment |
---|---|---|---|
± |
Part ID |
X(2) |
“G1” |
± |
Part sequence number |
9(2)RJZ |
Sequence number of the “on behalf of an individual” related to the disposition of funds (must match the part sequence number of the corresponding disposition in Part B2). |
*1 |
Surname |
X(20)LJ |
Enter the surname of the individual on whose behalf the transaction is conducted. |
*2 |
Given name |
X(15)LJ |
Enter the given name of the individual on whose behalf the transaction is conducted. |
3 |
Other name/initial |
X(10)LJ |
Enter the middle initial or other name (if applicable) of the individual on whose behalf the transaction is conducted. |
*4 |
Street address |
X(30)LJ |
Enter the civic address of the individual on whose behalf the transaction is conducted. |
*5 |
City |
X(25)LJ |
Enter the town or city of the individual on whose behalf the transaction is conducted. |
*6 |
Country |
X(2)LJ |
Enter the country of the individual on whose behalf the transaction is conducted. |
*7 |
Province/State |
X(20)LJ |
Enter the province or state of the individual on whose behalf the transaction is conducted. |
*8 |
Postal/zip code |
X(9)LJ |
Enter the postal or zip code of the individual on whose behalf the transaction is conducted. |
9 |
Home telephone number |
X(20)LJ |
Enter the home telephone number of the individual on whose behalf the transaction is conducted. |
10 |
Office telephone number |
X(20)LJ |
Enter the office telephone number of the individual on whose behalf the transaction is conducted. |
10A |
Office telephone extension number |
9(10)RJZ |
Enter the telephone extension number, if available. |
11 |
Individual's date of birth |
X(8)LJ |
Enter the date of birth of the individual on whose behalf the transaction is conducted. |
12 |
Individual's identifier |
X(1)LJ |
Enter the appropriate code to indicate the document used to identify the individual on whose behalf the transaction was conducted. If the selections provided do not cover the identifier used, indicate “Other” and provide details in field G12A.
This field requires reasonable efforts, if this part is applicable. |
12A |
Other description |
X(20)LJ |
Provide a description of “Other” as explained above. This field is required if code “E” is entered in field G12. |
13 |
ID number |
X(20)LJ |
Enter the number of the document described in field G12 or G12A that was used to identify the individual on behalf of whom the transaction was conducted. |
14 |
Country of residence |
X(2)LJ |
Enter the country of permanent residence of the individual on whose behalf the transaction was conducted. Refer to the country code table in the technical documentation area of the Publications page on FINTRAC's Web site. |
15 |
Country of issue |
X(2)LJ |
Enter the country of issue of the document used to identify the individual on whose behalf the transaction was conducted. |
16 |
Province/State of issue |
X(20)LJ |
Enter the province or state of issue of the document used to identify the individual on whose behalf the transaction was conducted. |
17 |
Individual's occupation |
X(30)LJ |
Enter the occupation of the individual on whose behalf the transaction was conducted. |
18 |
Relationship to individual |
X(1)LJ |
Enter the appropriate code to indicate the relationship of the person conducting the transaction to the individual on whose behalf the transaction is conducted. If the selections provided do not cover the relationship, indicate “Other” and provide details in field G18A.
This field requires reasonable efforts, if this part is applicable. |
18A |
Other relationship |
X(20)LJ |
Provide a description of “Other” as explained above. This field is required if code “J” is entered in field G18. |
Total characters in Part G: 309 - Do not include Part G in the report for a transaction if it was not conducted on behalf of another individual or if an employee deposited cash in his or her employer's business account.
5.3.2 LCTR Structure Flowchart
- Date Modified: