If you have no victim, no suspect, and no actual transaction attempted at the FI, are you required to file a SAR? We have received calls from various individuals asking if the Cashier's Checks (which appear drawn on our FI) they received in the mail are valid. These are fraudulent cashier's checks being sent to non-customers - we do not know the suspect and we have no victim as the individuals are not customers; we have no transaction as they did not attempt to deposit/cash the cashier's checks at our FI. I looked at the FAQs as well as the SAR Filing Instructions and was unable to find this exact scenario discussed. My gut tells me, no SAR - since no transaction was attempted at our FI, Agree? If disagree, why?