If I file a SAR on a customer, then file a repeat SAR in 90 days, what does the narrative need to say? Is it okay to just say that the activity reported on the initial SAR is ongoing or do I need to include the narrative from the initial SAR and, as an addition, say that the activity has continued?

I always start mine with:

"this is a supplemental report to one filed mm/dd/yyy"

and then I do the whole deal. Who, What, Where, Why, When, How.

Usually a brief "previous activity reported: blah blah"

then "current activity being reported: blah blah"

"this is a grand total of $XX from XX to XX"

This is also a great document from FinCEN.

http://www.fincen.gov/narrativeguidance_webintro.pdf

Thanks!

and don't forget that the amount reported on the supplemental SAR get aggregated to the amount reported on the original SAR