Did this quote annoy everyone else as much as it did me (coming from a source identified only as a "former Treasury official" when asked about the outcry to the proposed SAR & CTR changes - as quoted on ML.com): "What are banks supposed to say? That this whole thing is wonderful?....Banks might be crying, but we are way past the time the banks should be doing paper filing. FinCEN has actually been way too lenient in requiring this.” The majority of the complaints from banks are not solely based on the transition from paper filing. If this is typical of the feelings at the Treasury on this matter, 2012 is going to be a fun year.