What information must a CTR for deposits into joint accounts list?

A Currency Transaction Report (CTR) is required to include specific information about the transaction and the individuals involved in it, especially when dealing with joint accounts. The correct choice requires that the CTR lists all joint owners on the account, as this reflects the actual ownership and control of the funds being deposited.

In the context of joint accounts, all account holders share ownership and have the right to access and transact on the funds of the account. Reporting only the primary account holder would not provide a complete and accurate representation of who has ownership stakes in the account.

In contrast, including all joint owners ensures compliance with regulatory requirements by offering comprehensive transparency, which is vital for monitoring financial activities and preventing illicit financial actions. It acknowledges the collective rights and responsibilities associated with the joint account, thereby aligning with the objectives of the Bank Secrecy Act to prevent money laundering and other financial crimes.

This necessity for full disclosure illustrates the regulatory framework's intent to track and report significant cash transactions thoroughly, ensuring that all parties connected to a joint account are documented in the financial record.