A customer hands the teller a deposit slip with $20,800 in cash and has signed the deposit slip for less cash in the amount of $2,700. The total cash deposited was $18,100. How would the CTR be completed?

Is this for real? What customer gives a bank teller $2700 more in cash than she wants to deposit and asks for the $2700 back?

The CFPB has reportedly responded to one bank that called with a similar question that the correct way to report it is to report the entire $20,800 cash in, breaking it down into $18,100 on line 24(a) and $2,700 on line 25(e), regardless of what the debits and credits to cash say.

Although the customer may be two kings short of a full deck, the Bureau's suggestion makes sense, since it reflects the amount of cash that crossed the counter.

Thank you-that makes sense to me too. This scenario had never come up in the past.

The only time I have encountered a scenario like this it was the customer trying to pass off several counterfeit bills and trying to changed them for good clean money.